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
- Automatic enrolment
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Industry/Government sandwich!
I’m watching the Work and Pensions Committee evidence session on dashboards that took place yesterday. Excellent evidence from Richard Smith, Kim Gubler, Brian Byrnes, and Maurice Titley. I really enjoyed the impassioned statement from the indefatigable Richard Smith on how dashboards will be game changers for future pensioners.…
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Steve Webb: 100% PPF cover would help support surplus extraction
Sir Steve Webb, Partner at LCP and former Pensions Minister and MP very kindly had a chat with me about surplus extraction. I set out a summary of this fascinating interview below. 😊 PG: What are the government’s stated and unstated aims in allowing surplus extraction? Steve: The…
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Adequacy must be considered as one of the three dimensions affecting retirement living standards
The pensions world is very interested in the upcoming pensions review on adequacy and retirement outcomes. There is widespread concern about the level of contributions people, employers and Government are paying into private pensions and thought will need to be put into how to increase contribution levels to…
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Would means testing the State Pension save much money?
There has been talk recently in the news about means testing the State Pension. This is because the costs of the State Pension will continue to grow, despite increases in State Pension age (SPa). Spending on State pension in 2024/25 is forecast to be around £137.5bn. Spending on…
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Does UK investment increase value for members?
I was kindly invited to speak about DC reform at the Association of Consulting Actuaries annual conference last week in Manchester. As I was putting my slides together I came across an interesting point which was that three recent DC policy reform strands overlap with each other in…
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Demystifying surplus extraction
I imagine that many of us greet news about DB scheme surplus extraction with “what does this mean? Is it dangerous? Surely taking money out of DB schemes is bad for members and an unfair treatment of their contributions?” At least, that’s what I thought at first. So…