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
- AI
- Annuities
- Automatic enrolment
- Behavioural economics
- Benefits
- Carers
- Chancellor
- Charge cap
- Charges
- Collective Defined Contribution
- Consolidation
- Contributions
- Dashboards
- Data
- Decumulation
- Defined Benefit
- Defined Contribution
- Disability
- Drawdown
- DWP
- Early access
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- ESG
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- FCA
- Financial inclusion
- Gambling
- Gender
- Governance
- Guidance/advice
- History
- Housing
- Income
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- Influencers
- Inheritance Tax
- International
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- Labour market
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- Long term care
- Mansion House
- Master Trusts
- MNTs
- Modern slavery
- Nature
- Pension freedoms
- Pension Schemes Act 2026
- Pensions Commission
- Pensions gap
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- Private pensions
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- Romans
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- Steve Webb
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- Uncategorized
- Value for Money
- VFM
- WASPI
- Water
- Women
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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…
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Why DC struggles to follow LGPS
Defined Contribution (DC) schemes are under growing pressure to back UK growth, but the example they are told to follow – the Local Government Pension Scheme (LGPS) – has some advantages they cannot easily replicate. Border to Coast’s £500m UK opportunities strategy shows what can be achieved when…
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Modern Slavery Is in Your Portfolio
Modern slavery isn’t a distant problem. It is embedded in the supply chains behind everyday goods and services – and that means it is embedded in investment portfolios, including those of pension schemes. That is why it is so welcome to see IFM Investors publish their paper Addressing…
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Beyond the headlines: pensioner poverty is often overlooked
Pensioners are often described as a group that has benefited from generous pensions, rising property values and stable incomes. But this view overlooks the reality for many older people. There is significant variation in income and security among pensioners, and a growing number face financial hardship. Poverty in…