Category
Category: Local Government Pension
LGPS: the UK’s largest funded public sector pension scheme.
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What ‘membership’ means in the LGPS, and why the word changed
What LGPS membership means has changed three times since 1986. What each version meant, why part-time work counts differently depending on which question you are asking, and where the old words still surface.
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Breaks in your LGPS membership: the five year rule that decides your final salary link
Leave the LGPS and come back, and one number decides what your pre-2014 pension is worth: five years. What counts as a break in membership, why NHS and teaching years are not a gap, and…
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What does Local Government Reorganisation mean for your LGPS pension?
Councils are being merged into larger new unitary authorities. Here is what Local Government Reorganisation does, and does not, change for your LGPS pension, and what to do.
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Is the LGPS in surplus? What 122% funding means for your pension
The 2025 LGPS valuations put the England and Wales scheme at 122% funded, with a £72.9 billion surplus. Here is what that means for your pension, and what it does not.
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LGPS early retirement got more expensive on 1 August 2026: the new reduction factors
New LGPS early retirement factors apply for retirements dated 1 August 2026 or later. The published before and after percentages, what they cost in pounds, and why the only date that counts is the date…
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LGPS Scotland explained: the Local Government Pension Scheme (Scotland) in plain English
The Local Government Pension Scheme (Scotland) in plain English: a genuinely separate scheme from the England and Wales LGPS, with its own regulations, 11 funds and 2026/27 contribution bands, but essentially the same benefits.
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What changes for LGPS members on 30 June 2026?
Two new sets of LGPS regulations come into force on 30 June 2026, overhauling how local government pension funds invest and how they are governed. The reassuring headline for members: this changes how the scheme…
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What does ‘LGPS’ on your payslip mean?
Spotted ‘LGPS’ or a pension deduction on your payslip? It’s your contribution to the Local Government Pension Scheme. What it is, why it’s there, how the 2026/27 rate is worked out, and what you get…
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The LGPS 85-year rule explained
The LGPS 85-year rule was removed in 2006 but still protects long-serving members. What it is, who keeps protection (it depends on your date of birth), and how it lets some pension be paid unreduced…
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LGPS funds and shadow lending: what £32bn in private credit means for council pension members
A Reuters analysis published 14 May 2026 found LGPS funds hold over £32bn in private credit. What those instruments are, why funds hold them — and what it means for your accrued pension.