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
- Benefits
- Carers
- Chancellor
- Charge cap
- Charges
- Collective Defined Contribution
- Contributions
- Dashboards
- Defined Benefit
- Defined Contribution
- Disability
- DWP
- Ethnicity
- Gender
- History
- Housing
- Income
- Inheritance Tax
- Investment
- Labour market
- LGPS
- Long term care
- Mansion House
- Master Trusts
- Pensions gap
- Poverty
- Private pensions
- Retirement
- Romans
- Small pots
- State Pension
- State Pension age
- Tax
- Uncategorized
- Value for Money
- WASPI
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Adequacy, Automatic enrolment, Contributions, Defined Contribution, Ethnicity, Gender, Income, Labour market, Pensions gap, Private pensions, Retirement
We’ve frozen AE threshold levels, what’s next for increasing contributions?
The DWP has announced that the automatic enrolment Earnings Trigger and Qualifying Earnings Band will stay the same in 2025/26 as it was in 2024/25. These affect eligibility and contribution levels and mean that: This means that as earnings increase, more people will be eligible for automatic enrolment,…
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Single pensioners could be paying 12% or more of disposable income on energy
The energy price cap went up again on January 1st, by 1.2%. This brings the average household energy bill energy to £1,738 a year, an increase of £21 a month. This follows on from previous adjustments: Month Average annual bill for those on direct debit * January 2025…
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You won’t close the gender pensions gap without tackling culture
The Pension Protection Fund (PPF) has exceeded targets set out in HMT’s Women in Finance Charter! Professional Pensions report that 48% of the senior management roles within the PPF are now held by women. This kind of demographic change should, hopefully, lead to some cultural changes in organisations.…
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Collective Defined Contribution, Defined Benefit, Defined Contribution, Investment, LGPS, Mansion House
What will 2025 mean for pension schemes?
Happy New Year! I hope you all had fabulous breaks! 😊 It seems appropriate that my first blog of 2025 looks at what might be coming up for pension schemes this year. Defined Contribution (DC) Schemes So much change is expected here! Alongside Value for Money (VFM) framework…
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Where next for WASPI?
I wasn’t going to do a blog on the Government’s response to the Ombudsman’s report on WASPI, but then I thought, hey, it’s always useful to revisit the data on any argument. So here we go! Without taking a position, here are the pertinent facts: From 1940 onwards,…
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Poverty rates hide increases in material deprivation
I gave evidence to the work and pensions select committee today on pensioner poverty. They are interested in the causes of pensioner poverty and the role that state pensions and benefits play in ameliorating poverty. We talked about so many things during the hour in which I gave…