Hymans Robertson

🚨 𝗣𝗿𝗲-𝗕𝘂𝗱𝗴𝗲𝘁 𝗣𝗲𝗻𝘀𝗶𝗼𝗻𝘀 𝗦𝗽𝗲𝗰𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 - 𝗪𝗵𝗮𝘁'𝘀 𝗡𝗲𝘅𝘁? 🚨 As we head towards the Autumn Budget, there’s growing anticipation around potential changes to UK pension taxation. Key areas in the spotlight include flat-rate tax relief, the possible reintroduction of the Lifetime Allowance, and National Insurance tweaks on pension contributions. With these changes looming, businesses and individuals should prepare for possible shifts in pension planning and taxation strategies. Stay tuned for updates. https://okt.to/gLK5tS #Pensions #Budget #Policy

🔊Our latest Capital Markets Update is live, and you don't want to miss it! In this publication, Chris Arcari shares the latest trends in the market for Q3 of 2024; ongoing disinflation paved the way for interest-rate cuts from the major central banks in the third quarter (Q3), and both bonds and equities managed to produce positive returns in Q3, shaking off early-August volatility, as interest-rate cuts eased recessionary concerns and supported sentiment. Read the full edition here: https://okt.to/iJXWxF #Investment #CapitalMarkets

📣Our recent webinar "2024 #LGPS academy accounting disclosures - the results" is now available to watch on-demand! Craig Alexander was joined by Jamie Baxter and Ciaran Henry to discuss the key themes emerging from the August 2024 results and common topics coming through from audits. You can sign up to watch our webinar on-demand here: 🔗https://okt.to/THJboK

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗼𝘂𝗿 𝘁𝘄𝗼 𝘂𝗽𝗰𝗼𝗺𝗶𝗻𝗴 𝘄𝗲𝗯𝗶𝗻𝗮𝗿𝘀 𝗶𝗻 𝗼𝘂𝗿 𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲 𝗶𝗻 𝗘𝗻𝗱𝗴𝗮𝗺𝗲𝘀 𝘀𝗲𝗿𝗶𝗲𝘀 🚀 𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝘁 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗮𝗻𝗴𝗹𝗲𝘀: 𝗲𝘅𝗽𝗹𝗼𝗿𝗶𝗻𝗴 𝗱𝗲-𝗿𝗶𝘀𝗸𝗶𝗻𝗴 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗮𝗰𝗵𝗶𝗲𝘃𝗲 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗺𝗮𝗹 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 Join Leonard Bowman and Iain Pearce on 4 November for a discussion on the range of de-risking options essential for optimising your endgame strategy. We'll also cover the importance of understanding these options when developing contingency plans, including your "Plan B" if circumstances change. 🧭 𝗕𝘂𝘆-𝗼𝘂𝘁 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗺𝗮𝗻𝘆: 𝗻𝗮𝘃𝗶𝗴𝗮𝘁𝗶𝗻𝗴 𝗮𝗻𝗱 𝗽𝗿𝗼𝘀𝗽𝗲𝗿𝗶𝗻𝗴 𝗶𝗻 𝗮 𝗯𝘂𝘀𝘆 𝗿𝗶𝘀𝗸 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝗺𝗮𝗿𝗸𝗲𝘁 In a competitive bulk annuity market, smaller pension schemes face unique opportunities and challenges in securing the best deals. Join James Mullins, Iain Church, Rebecca Wood and Baljit Khatra on 14 November as they explore tailored strategies and actionable insights designed to help smaller pension schemes stand out and succeed. You can register your place here: https://okt.to/JfyNTx

There's still time to join us for the latest webinars in our DC Master Trust Marketplace series on 22 & 23 October, where we’ll be joined by leading providers to discuss why now is a good time to move to Master Trusts. As always, we'll have two sessions available, each featuring Master Trust providers of different sizes. We're delighted to be joined by: 👉 Session 1 - Nigel Aston, Aon, Geoff Marchment, Aviva and Donna Walsh, Standard Life. 👉 Session 2 - Sharon Bellingham AMAPPT, Scottish Widows and Daniel Smith, Fidelity International. Don't miss out! Register by clicking the link below: https://okt.to/y4Tqp5

In our recent corporate research, 42% of employers said that, having reviewed their employees' pension savings, they're very concerned that they're not saving enough for retirement. All employers acknowledged that there's room for improvement in their pension provision when it comes to diversity, equity and inclusion (DEI). Andrew Udale-Smith caught up with Kathryn Fleming to explore pensions adequacy and DEI in more detail, how employers can progress these in the short term and discuss how organisations can join up the dots between the two. 👇 Watch the video below, and register for our webinar to hear more: https://okt.to/Pj9Nwg

The Department for Work and Pension’s (DWP) recent consultation on draft regulations for unconnected multi-employer Collective Defined Contribution (CDC) schemes marks a key move toward making CDC pensions accessible beyond just a few large employers. In his blog, Darren Baillie explores how CDC can offer scalable retirement solutions, but also highlights the challenges, especially when it comes to ensuring fairness across diverse employer groups. With draft legislation setting a high bar for these schemes, the DWP’s message is clear: proceed with caution. Actuarial expertise is key in designing benefits and navigating longevity variations among members; an essential step to avoid unintentional cross-subsidies. Explore more here: https://okt.to/mtCRTO #CDC #RetirementPlanning

📢 𝗖𝗼𝘂𝗹𝗱 𝘄𝗲 𝘀𝗲𝗲 𝗮 𝗿𝗲𝘀𝘂𝗿𝗴𝗲𝗻𝗰𝗲 𝗶𝗻 𝘄𝗶𝘁𝗵-𝗽𝗿𝗼𝗳𝗶𝘁𝘀 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 𝗳𝗲𝗮𝘁𝘂𝗿𝗲𝘀? 𝗪𝗵𝗮𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝗮𝗿𝗲 𝘁𝗵𝗲𝗿𝗲 𝗳𝗼𝗿 𝗶𝗻𝘀𝘂𝗿𝗲𝗿𝘀 𝘁𝗼 𝗮𝗽𝗽𝗹𝘆 𝘁𝗵𝗲𝘀𝗲 𝗶𝗻 𝗻𝗲𝘄 𝘄𝗮𝘆𝘀? We're excited to share our latest report, which combines insights from our recent consumer survey and our in-depth knowledge of the with-profits industry to explore these questions and more! You can read more by clicking the following link: 🔗 https://okt.to/ASyz3K #insurance #consumerresearch #lifeinsurance #financialservices

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗮𝘁 𝘁𝗵𝗲 𝟮𝟬𝟮𝟰 𝗜𝗙𝗼𝗔 𝗟𝗶𝗳𝗲 𝗰𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲? 𝗜𝗳 𝘀𝗼, 𝘀𝘁𝗼𝗽 𝗯𝘆 𝗮𝗻𝗱 𝘃𝗶𝘀𝗶𝘁 𝘂𝘀 𝗮𝘁 𝘀𝘁𝗮𝗻𝗱 𝟴. Not only will you get a chance to speak with us, but you can grab yourself a refreshing drink from our juice bar 🧃 #lifeinsurance #IFOA #insurance #financialservices

In case you missed it, be sure to check out our latest PITstop, where Leonard Bowman and Vassos Vassou discuss the viability of run-on. Click the link below to watch the episode in full. 👇