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.
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Could annuity-style rules fix state pension unfairness?
Gareth Stears of Aries Insight recently shared an idea with me that I hadn’t seen explored elsewhere: using individual annuity-style factors to determine when people can access the state pension. Instead of everyone waiting for a fixed age, or taking early access with a steep actuarial reduction, his…
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Budgets are short term. Pensions are long term. Yet we keep running one through the other.
The Autumn Budget is an annual fiscal event designed to manage tax, spending, and borrowing in response to and within OBR forecasts. Budget announcements are often base on a reaction to short term economic changes rather than being designed to support financial structures which benefit from stability. However,…
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Long live the human being!
Human beings learn basic survival behaviours early in life. These sit in the parts of the brain that manage instinct and emotion. They help us respond quickly to hunger, threat and discomfort and they reduce the need to think through every small decision. These patterns helped humans survive…
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Why gambling needs to be part of financial inclusion strategies
The new UK Financial Inclusion Strategy is a welcome step forward. It recognises the scale of exclusion in the UK and makes an important commitment: financial education will become compulsory in primary schools in England – hopefully building confidence with money early in life, before people are juggling…
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We need a national insurance plan for care
Most people think of long-term care as something that happens to other people, if they think of it at all. The reality is that only a minority of older people will ever need full-time residential care, but for those who do, the cost can be ruinous: around £800…
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Nature, inequality, and the future of pension risk
Nature risk is often treated as a side issue in finance but it sits at the centre of economic stability. Soil, water, and ecological systems support almost every part of the economy. When they are damaged, production slows, costs rise, and markets become less predictable. That makes nature…