Pensions Goth loves to explain what’s going on in pensions, what Government, industry and regulators are up to and what changes might mean for members. Pensions Goth loves cats, heavy metal music and is passionate about the truth, data and making sense of pensions.
She also tweets as #Pensions_Goth and you can find her on blue sky at @pensionsgoth.bsky.social
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Welcome to Pensions Goth Blog
Insights, stories, commentary and thoughts on pensions policy and events.
Blog categories
- Adequacy
- Advice
- Annuities
- Automatic enrolment
- Benefits
- Carers
- Chancellor
- Charge cap
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- Dashboards
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Fairness, Philosophy, and the Beveridge Vision
I had the honour of running a workshop alongside Andy Seed last week at Owen James’ excellent Retirement Matters conference. We discussed the Pensions Commission and what it needs to consider, and one point really stood out: we seem to have lost sight of the philosophy that underpinned…
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Don’t forget the stock market!
Recent reforms have focused heavily on private markets and infrastructure. These are important, but the UK stock market also supports growth, and it is easier for schemes to use and for members to understand. A new report from New Financial argues that the government should revisit the role…
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Stalled Longevity, Rising Pension Age: Who Gets Left Behind
I was speaking at FT Adviser’s Financial Advice Forum event yesterday and I was asked about what the SPa review may yield. It got me thinking about the stagnation in life expectancy increases. In 2020/22 life expectancy projections were around the same level they were at in 2010–2012…
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Why We Are Studying Financial Influencers
Pensions policy is shifting. The Value for Money framework, Mansion House, and new decumulation defaults all aim to improve outcomes for savers. These reforms focus on the performance of schemes and the behaviour of providers and trustees. They do not address where people get their information, or how…
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Is economic inactivity a result of the pension freedoms?
Economic inactivity among older people has risen in recent years, and pension flexibilities may be one contributing factor. The 2015 reforms created a financial bridge that makes it easier to leave work before State Pension age. Stopping work early used to mean relying on benefits or finding another…
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Mind the gap: rethinking early state pension access
State Pension age is rising. 15 years ago, it was 60 for women and 65 for men, and it is now on a slow path to 68. Both the Pensions Commission and the State Pension age review are considering adequacy. This makes it the right moment to examine…