Category
Category: Pension Basics
Foundational explainers — how UK public sector pensions actually work.
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Pension inheritance tax from April 2027: what public sector pension members need to know
HMRC’s 11 May 2026 technical note confirms how unused pension funds will be taxed for inheritance from April 2027. The main public sector DB pension is safe; AVC pots and DC pots are caught. Executors…
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What is the Pensions Dashboard and when can you use it to find your public sector pension?
The Pensions Dashboards Programme connects every UK pension scheme to a single place online by 31 October 2026, with a public launch expected in Q4 2026. Here is what public service scheme members can expect…
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LGPS six megafunds: which pool is your fund in, and what changes in October 2026?
From October 2026 every LGPS administering fund must channel its investments through one of six approved pools. Which pool covers your fund, what happens to former ACCESS and Brunel funds, and what changes in fund…
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Closing public sector DB pensions to new entrants from 2030: what’s actually proposed
Policy Exchange has proposed closing the main unfunded public sector DB schemes to new entrants from 2030, with new public service workers joining DC instead. What’s actually in the paper, the £1.1bn / £6.1bn /…
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Pension Schemes Act 2026: what it actually does
The Pension Schemes Act 2026 received Royal Assent on 29 April. Six LGPS megafunds in statute, a £25bn DC scale floor, small-pot consolidation, DB surplus reform, what it all means in plain English.
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McCloud remedy tracker: where each scheme stands in May 2026
Where each public service pension scheme stands on McCloud remedy implementation as of May 2026. LGPS, NHS, Teachers, Civil Service, AFPS, Police and Firefighters status, plus the Scotland legislative gap.
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How UK public sector pensions actually work
How UK public sector pensions actually work, in plain English: defined benefit explained, the seven main schemes, CARE vs final salary, contributions, tax, and the McCloud Remedy. A primer for anyone in or joining the…