Category
Category: Pension Basics
Foundational explainers: how UK public sector pensions actually work.
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The Pensions Commission says 15 million Britons are undersaving: why public sector members are largely outside the warning
The Pensions Commission’s 19 May 2026 interim report identified 15 million working-age Britons as undersaving for retirement. Here is what the report actually says, why members of the NHS, Teachers’, LGPS, Civil Service, Armed Forces,…
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How to use the Pensions Ombudsman: a guide for public sector scheme members
The Pensions Ombudsman investigates pension complaints free of charge. From the Pension Schemes Act 2026, its decisions are directly enforceable. How the process works, what it can and cannot do, and how public sector scheme…
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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.
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TPR Corporate Strategy 2026: Six Outcomes, Consulted On and Now Final
The Pensions Regulator consulted on a new five-year strategy in May 2026 and published the final version on 14 July. The six outcomes, and what they mean for public service members.
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WASPI Judicial Review 2026: What Public Sector Pension Members Need to Know
WASPI filed a fresh judicial review on 13 May 2026 against the DWP’s no-compensation decision. What it means for women with NHS, LGPS, Teachers’ or CSPS pensions.
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The Pensions Regulator’s 2026 Annual Funding Statement: what ‘endgame planning’ means for DB members
TPR’s 2026 Annual Funding Statement reports 90% of DB schemes in surplus and shifts the regulator’s tone from deficit recovery to endgame planning. Here’s what run-on, buy-out, and superfund routes actually mean if you are…
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Councillors and LGPS investment decisions: what your pension can and can’t do
Pensions committees, fiduciary duty, the October 2026 governance shift, and what councillors can and cannot do about LGPS investment policy. A governance explainer, deliberately apolitical.
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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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LGPS six megafunds: which pool is your fund in, and what changes in 2026?
From 30 June 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…
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What is the Pensions Dashboard and when can you use it to find your public sector pension?
A plain-English guide to the UK Pensions Dashboards Programme, the 31 October 2026 statutory connection deadline, what the consumer MoneyHelper service will show, and where each public service pension scheme (LGPS, NHS, Teachers, Civil Service,…