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The FCA launched consultation CP26/20 on 22 June 2026, proposing clearer due diligence standards and stronger asset protection rules for SIPP operators, following 26 insolvencies between 2010 and 2025.
23 Jun 2026 · 3 min read
UK parents expect to financially support their children until age 26, with only 9 percent believing their children will be self-sufficient by 21, according to an M&G survey. A quarter of parents plan to help with a home deposit, forcing many to adjust their own retirement planning.
18 Jun 2026 · 3 min read
HMRC has apologised after a self-assessment error overcharged around 1.7 million pensioners by about 43.5m pounds. How it happened, who is affected, and how to reclaim.
18 Jun 2026 · 2 min read
HMRC pension tax errors affect thousands of UK savers each year. This guide explains the most common mistakes, how to check if you have been overcharged and the steps to claim a refund.
17 Jun 2026 · 3 min read
The annual pension contribution allowance is 60,000 pounds in 2026/27 for most savers. The state pension increased by 4.1 percent in April 2026 under the triple lock. Employers must contribute at least 3 percent under auto-enrolment.
16 Jun 2026 · 6 min read
European pensioners vary significantly in wealth and income. This article examines which countries have the wealthiest over-65s, where the UK sits in the comparison, and what drives the gap.
15 Jun 2026 · 3 min read
Andy Burnham has put forward proposals on state pension policy. This article explains what is being proposed, how it differs from the current triple lock, and what it could mean for current and future retirees.
15 Jun 2026 · 3 min read
HMRC has issued an alert about income tax errors affecting pensioners on PAYE. Here is what has gone wrong, who is affected, and how to check and correct your tax code.
15 Jun 2026 · 3 min read
Marriage allowance lets a person transfer part of their unused personal allowance to a spouse or civil partner. For 2026-27 up to 1,260 GBP (HMRC) can move across, provided the lower earner pays no tax and the higher earner is a basic-rate taxpayer.
16 Jun 2026 · 5 min readFSCS protection is the compensation the Financial Services Compensation Scheme provides if a UK-authorised financial firm fails. It covers eligible deposits, investments, pensions and insurance up to set limits, so customers can recover money when a regulated provider collapses.
11 Jun 2026 · 1 min readThe bid-offer spread is the gap between the price at which an investment can be sold (the bid) and the higher price at which it can be bought (the offer). The difference is an immediate cost borne by the investor.
11 Jun 2026 · 1 min readCompounding is the process where returns earn further returns over time. As interest or investment growth is added to the original amount, future growth is calculated on the larger balance, so gains accelerate the longer money is left invested.
11 Jun 2026 · 1 min readThe ongoing charges figure (OCF) is a standardised yearly percentage showing the cost of running an investment fund. It covers the manager's fee and other operating costs, letting investors compare fund expenses on a like-for-like basis.
11 Jun 2026 · 1 min readA platform fee is the charge an investment platform makes for holding and administering investments such as ISAs, pensions and funds. It is separate from the charges of the funds themselves and pays for the service that houses them.
11 Jun 2026 · 1 min readAn ETF, or exchange-traded fund, is a pooled investment that trades on a stock exchange like a share. It usually tracks an index, commodity or basket of assets, and its price moves throughout the trading day.
11 Jun 2026 · 1 min readAn OEIC, or open-ended investment company, is a pooled fund that issues and cancels shares as investors buy in or sell out. Money from many investors is combined and run by a fund manager across a spread of assets.
11 Jun 2026 · 1 min readAn index fund is an investment fund that aims to track the performance of a market index, such as the FTSE 100, rather than trying to beat it. It holds the index constituents in proportion, keeping costs low.
11 Jun 2026 · 1 min readPound cost averaging is investing a fixed sum at regular intervals rather than all at once. Because the same amount buys more units when prices are low and fewer when high, it smooths the average price paid over time.
11 Jun 2026 · 1 min readCapital gains are the profits made when an asset such as shares, a fund or a second property is sold for more than it cost. The gain, not the total sale price, is what may be subject to capital gains tax.
11 Jun 2026 · 1 min readA dividend is a payment a company makes to its shareholders out of its profits. It is usually paid in cash per share held and represents a share of the company's earnings distributed to the people who own it.
11 Jun 2026 · 1 min readA LISA, or Lifetime ISA, is a tax-free account for savers aged 18 to 39 that adds a 25% government bonus on contributions. The money is for a first home or for retirement from age 60, with penalties for other withdrawals.
11 Jun 2026 · 1 min readAn ISA, or individual savings account, is a tax-free wrapper for cash savings or investments. Interest, dividends and capital gains earned inside an ISA are free of UK tax, within an annual subscription limit set by the government.
11 Jun 2026 · 1 min readThe lifetime allowance abolition is the removal of the cap on the total pension savings that could be built up before extra tax applied. The charge ended in April 2023 and the allowance was fully abolished from 6 April 2024.
11 Jun 2026 · 1 min readA pension commencement lump sum is the tax-free cash a saver can take when first accessing a defined contribution or defined benefit pension. It is usually up to 25% of the pot, taken at the point benefits begin.
11 Jun 2026 · 1 min readSalary sacrifice is an arrangement where an employee gives up part of their gross salary in exchange for a non-cash benefit, most commonly a larger pension contribution. The sacrificed amount is not taxed as income and is exempt from National Insurance.
11 Jun 2026 · 1 min readAuto-enrolment is the legal duty on UK employers to automatically place eligible workers into a workplace pension and pay contributions. Workers are enrolled by default and can opt out, but are re-enrolled roughly every three years if they do.
11 Jun 2026 · 1 min readA SIPP, or self-invested personal pension, is a type of personal pension that lets the holder choose and manage the underlying investments. It carries the same tax relief and access rules as other registered pensions but offers a wider investment range.
11 Jun 2026 · 1 min readPension drawdown is a retirement option that keeps a pension pot invested while the holder takes variable income or lump sums directly from it. The remaining money stays exposed to investment markets, so its value can rise or fall over time.
11 Jun 2026 · 1 min readAn annuity is an insurance product that converts a pension pot into a guaranteed income, usually paid for life. The pension saver hands a lump sum to an insurer, which in return pays a fixed or escalating amount at set intervals.
11 Jun 2026 · 1 min read
UK pension statistics for 2026: the full new and basic State Pension rates, recipient numbers, the triple lock, pension wealth, auto-enrolment participation and retirement income, every figure sourced from DWP, ONS, TPR and FCA.
25 Jun 2026 · 8 min readGet Kael Tripton in your Google feed
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