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
- Engagement
- ESG
- Ethnicity
- FCA
- Financial inclusion
- Gambling
- Gender
- Governance
- Guidance/advice
- History
- Housing
- Income
- Inflation
- Influencers
- Inheritance Tax
- International
- Investment
- Labour market
- LGPS
- Long term care
- Mansion House
- Master Trusts
- MNTs
- Modern slavery
- Motherhood penalty
- Nature
- Pension freedoms
- Pension Schemes Act 2026
- Pensions Commission
- Pensions gap
- Poverty
- Private pensions
- Regulation
- Responsible investment
- Retirement
- Romans
- Scale
- Self employed
- Small pots
- Social media
- State Pension
- State Pension age
- Steve Webb
- Tax
- Transfers
- Triple lock
- Trustees
- Uncategorized
- Value for Money
- VFM
- WASPI
- Water
- Women
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Where Are the People in the Pensions Commission’s Thinking?
The new Pensions Commission aims to finish what Turner, Drake, and Hill started. Its scope focuses on adequacy, fairness, and risk. But, it misses a recognition of how people move through working life and into retirement. The Commission identifies system-level challenges, but does not fully account for how…
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Is the triple lock a red herring?
The triple lock gets a lot of bad press. It’s been cast as the main villain in State Pension cost rises, by being a supposedly unsustainable ratchet, cranking up the pension bill year after year. But while the triple lock has become more expensive than expected, it’s not…
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Do We Need a Collective Approach to Human Rights and ESG?
I had the pleasure of attending a Quietroom dinner on Tuesday, where a brilliant panel explored ESG, Trump, and what lies ahead for investors. The conversation highlighted just how complex the landscape has become, and left me wondering whether pension schemes need collective support to navigate difficult questions.…
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We need an incorruptible State Pension target
The IFS pensions review proposals and Hymans recent pensions plan for the new government, among others, suggest maintaining the State Pension triple lock until it meets a target, and then keeping pace with that target. Setting a target will not be straightforward. First of all, do we aim…
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The hidden costs of failing to meet affordable housing demand
I’m delighted to introduce my summer intern, Lamara Wilson. She’s studying Social Policy at the University of Lincoln and is joining me this summer to learn all about pensions. I’m sure many of you will see her out and about with me, come and say hi! Lamara and…
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A failure to collaborate costs members
As a pensions industry, we don’t collaborate much. There is a culture of secrecy and protectiveness around data, products, and even ideas. It’s understandable: we are all operating in a competitive market, and no one wants to give away their edge. But is that culture helping members? Or…