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The European Parliament has voted to approve the US-EU trade deal agreed in Scotland last year, but has included a suspension clause that allows the agreement to be paused if the United States fails to lift tariffs on European steel and aluminium by end of 2026.
30 May 2026 · 2 min read
Standard Life chief executive Andy Briggs warned on 28 May 2026 that 15 million working-age UK adults face inadequate retirement savings. Pension Commission report due 2027.
12 Jun 2026 · 3 min read
JL Collins wrote a series of letters to his daughter explaining everything he knew about money. Those letters became this book - the clearest and most direct argument for simple index fund investing ever written. Essential reading for anyone pursuing financial independence.
12 Jun 2026 · 2 min read
Pete Matthew is one of the most trusted voices in UK personal finance. His book translates the principles of financial planning into plain English with specific reference to UK tax wrappers, pension rules, and investment platforms. The most UK-specific book on this list.
12 Jun 2026 · 2 min read
Bill Perkins challenges the conventional wisdom of dying with as much money as possible. His argument - that most people save too much and experience too little - is provocative, data-backed, and directly relevant to UK pension planning decisions.
12 Jun 2026 · 2 min read
The DWP has confirmed £200 Winter Fuel Payment top-up for state pensioners born before specified dates. Here is who qualifies, the qualifying week and how the payment is made.
28 May 2026 · 3 min read
Pensions Bill measures could see normal minimum pension age rise from 55 to 57. Here is who would be affected and the existing rules on accessing private pension savings.
12 Jun 2026 · 3 min read
Hundreds of thousands of UK state pensioners qualify for extra benefits and discounts but never claim them. Here is the full list of payments and discounts available in 2026.
27 May 2026 · 3 min read
The DWP has confirmed £200 Winter Fuel Payment top-up for state pensioners born before specified dates. Here is who qualifies, the qualifying week and how the payment is made.
27 May 2026 · 3 min read
Many UK state pensioners qualify for additional payments and discounts beyond the headline pension figure. Pension Credit, free TV licences, Council Tax Reduction and Warm Home Discount are among the most commonly missed.
27 May 2026 · 4 min read
New regulations overhauling how the Local Government Pension Scheme (LGPS) manages its £400 billion of assets come into force on 30 June 2026. Here is what changes and what it means for council workers and local authority employees.
27 May 2026 · 4 min readEnergy saving advice for pensioners: ECO4 grants, Warm Home Discount, Winter Fuel Payment (now via Pension Credit), Priority Services Register and Home...
24 May 2026 · 7 min read
Treasury raised the SCAPE rate, cutting 1987 police pension lump sums by around five per cent overnight. How commutation factors work, plain English.
23 May 2026 · 5 min readUK self-employed have no workplace pension; the routes are SIPP, personal pension, or stakeholder pension. Tax relief at marginal rate applies. Annual allowance GBP 60,000. This guide covers the choices and the State Pension layer.
16 Jun 2026 · 7 min readUK auto-enrolment under the Pensions Act 2008 requires employers to enrol eligible employees in a workplace pension with 8% total contribution (3% employer / 5% employee inc tax relief). This guide covers eligibility, opting out, fund choice, and the long-term benefit.
16 Jun 2026 · 9 min readUK contractors operating through PSCs can make highly tax-efficient employer pension contributions (deductible by company, tax-deferred for director). Umbrella contractors use auto-enrolment or salary sacrifice. This guide covers SIPP, the GBP 60,000 annual allowance, and carry-forward.
17 Jun 2026 · 10 min read
How a Junior SIPP works: contributions made on behalf of a child, the government tax relief top-up, the access age (currently 57 from 2028), and the long-horizon compounding effect compared to a Junior ISA.
16 Jun 2026 · 10 min read
Workplace pensions and personal pensions differ in who pays in, who chooses the provider, and how charges are structured. The standard UK approach is to use the workplace pension to capture the employer match and a personal pension or SIPP for any additional retirement saving.
16 Jun 2026 · 11 min read
UFPLS allows ad-hoc lump sum withdrawals from a UK defined contribution pension after age 55. Each withdrawal is 25 percent tax-free and 75 percent taxable as income. UFPLS suits savers wanting specific lump sums rather than ongoing drawdown income.
16 Jun 2026 · 10 min read
UK pensions paid to people living abroad are typically still subject to UK PAYE tax unless a double taxation agreement allows the income to be paid gross. The recipient applies for NT (no tax) status via HMRC, attaching the destination country's certification. Tax is then paid in the
16 Jun 2026 · 7 min read
The UK State Pension is payable worldwide. Annual triple-lock uprating applies in countries with reciprocal agreements (including the EU under the Trade and Cooperation Agreement, the USA, Switzerland, and others). In 'frozen' countries (mainly Commonwealth states), the pension is paid at
16 Jun 2026 · 9 min read
The new UK State Pension provides a flat-rate income to those reaching State Pension age on or after 6 April 2016, based on qualifying National Insurance years. The full amount requires 35 qualifying years; partial amounts are paid for between 10 and 34 years. The amount is uprated
17 Jun 2026 · 9 min read
UK pensions come in three main forms: the State Pension, workplace pensions (defined contribution or defined benefit), and personal pensions (including SIPPs). Each has its own rules on contributions, tax relief, investment choice, and access. This guide explains how they fit together.
17 Jun 2026 · 10 min read
UK retirement tax planning combines several allowances: the Personal Allowance (GBP 12,570), the Personal Savings Allowance, the dividend allowance, the CGT annual exempt amount, the starting rate band for savings, ISA tax-free income, and pension tax-free element. Coordinated use of
16 Jun 2026 · 9 min read
Three main strategies convert a UK retirement pot into income: annuity (guaranteed income for life), flexi-access drawdown (flexible withdrawals from invested pot), and a combination of the two. The right choice depends on health, income certainty preference, capacity to bear investment
16 Jun 2026 · 9 min read
UK retirement planning brings together the State Pension, workplace and personal pensions, ISAs, property, and other savings to produce a sustainable income for retirement. The pension freedoms of 2015 expanded options; the abolition of the Lifetime Allowance from 2024 reshaped the tax
16 Jun 2026 · 9 min read
UK pension transfers are subject to FCA rules, scheme transfer conditions, and a regulatory framework designed to protect savers from scams and the loss of valuable benefits. DC-to-DC transfers are usually straightforward and free; DB transfers worth GBP 30,000 or more require regulated
16 Jun 2026 · 9 min read
The UK government's free Pension Tracing Service helps savers find lost or forgotten pensions from previous employers. The service holds contact details for thousands of UK pension schemes and is operated by the Department for Work and Pensions.
16 Jun 2026 · 11 min read
HMRC's pension recycling rules counter the practice of taking a pension tax-free lump sum and using it to fund further pension contributions to receive further tax relief. Breach of the rules can result in the recycled lump sum being treated as an unauthorised payment, subject to a 40
16 Jun 2026 · 7 min read
The UK Lifetime Allowance was abolished from 6 April 2024. Two new allowances replaced it: the Lump Sum Allowance (GBP 268,275, capping tax-free lump sums) and the Lump Sum and Death Benefit Allowance (GBP 1,073,100, capping total tax-free lump sums and death benefits). Existing LTA
17 Jun 2026 · 9 min readGet Kael Tripton in your Google feed
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