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Daniela Silcock

@pensionsgoth.bsky.social

Researcher, analyst, commentator, pensions enthusiast. https://pensionsresearch.co.uk/

257 Followers  |  649 Following  |  56 Posts  |  Joined: 21.11.2024  |  1.7218

Latest posts by pensionsgoth.bsky.social on Bluesky

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Today’s Pensions Goth blog explores how proposed disability benefit reforms will disproportionately affect older people, despite ministerial claims, with data showing rising poverty risks and limited work options for those in their 50s and 60s.

pensionsresearch.co.uk/disability-b...

01.08.2025 10:20 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today’s Pensions Goth blog explores whether the new Pensions Commission is forgetting the people behind the system. While the Commission rightly focuses on adequacy, fairness and risk, it risks missing how real lives shape pension outcomes over time. pensionsresearch.co.uk/where-are-th...

25.07.2025 11:48 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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I’ll be on BBC Radio Cumbria tomorrow at 7:40am, talking about State Pension age rises, caring, health, working-age benefits, and pension savings.

Big topics – and ones we need to talk about more.

#Pensions #StatePensionAge #Carers #BBCCumbria

22.07.2025 16:42 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today’s Pensions Goth blog asks: is the triple lock a red herring? It’s been painted as the villain behind rising State Pension costs, but the real drivers are inflation and demographics, and we urgently need a long-term target before we scrap it. pensionsresearch.co.uk/is-the-tripl...

18.07.2025 12:15 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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I’ll be on BBC Radio 4’s Money Box tomorrow at 3pm, talking to #SteveWebb about women and pensions.

We’ll be looking at why women get lower pensions, how the system works, and what you can do to improve your retirement prospects.

#MoneyBox #BBCRadio4 @stevewebb1.bsky.social @radio4.bsky.social

15.07.2025 11:04 β€” πŸ‘ 3    πŸ” 1    πŸ’¬ 1    πŸ“Œ 0
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Today’s Pensions Goth blog explores whether pension schemes need collective support to deal with growing ESG and political risks, especially in the US.
pensionsresearch.co.uk/do-we-need-a...

11.07.2025 10:05 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today's pensions goth explores the risks of setting a State Pension target without clear, consistent measures, and how statistical choices can distort pension adequacy. pensionsresearch.co.uk/we-need-an-i...

04.07.2025 08:50 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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This is Fascism Trump’s Big Ugly Bill is fascist β€” not only in what it does and authorizes, but in how it got enacted

This is Fascism - Robert Reich robertreich.substack.com/p/this-is-fa...

04.07.2025 07:33 β€” πŸ‘ 13    πŸ” 5    πŸ’¬ 0    πŸ“Œ 0
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Today’s pensions goth blog explores how the shortage of affordable housing is driving systemic problems, from poor quality homes to increased private renting in later life. pensionsresearch.co.uk/the-hidden-c...

27.06.2025 10:48 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

Perhaps fixing that is the first step!

20.06.2025 13:29 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today’s blog argues that the pensions industry’s lack of collaboration creates inefficiencies and inconsistent outcomes for members. It suggests working together on defaults and retirement models could improve member outcomes and reduce duplication. pensionsresearch.co.uk/a-failure-to...

20.06.2025 11:46 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0
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In this week’s blog, I talk to Joe Craig of Quietroom about why so many pension schemes are chasing engagement without asking what it’s really for. We explore how schemes can move beyond noise and box-ticking to genuinely connect with their members.
pensionsresearch.co.uk/the-problem-...

13.06.2025 13:53 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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This week’s Pensions Goth blog considers how recent changes to the Winter Fuel Payment have expose wider challenges in ensuring adequate support for pensioners facing high energy costs.
pensionsresearch.co.uk/winter-fuel-...

06.06.2025 09:42 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

I’m forward to talking on Sky News at 15:30 about winter fuel payments! :-)

04.06.2025 13:45 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today's pensions goth blog looks at how chronic underfunding of government IT leads to poorer people - citing state pension underpayments as a key example. #SteveWebb #StatePensionUnderpayments

pensionsresearch.co.uk/neglected-go...

30.05.2025 10:46 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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In today's pensions goth blog, I talk to the inspirational Janette Weir of Ignition House about the work that companies are doing on flex first/fix later products.
pensionsresearch.co.uk/janette-weir...

23.05.2025 09:02 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0
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Today's pensions goth blog reflects on globalisation, our differences and similarities and where we are all grappling with problems.

pensionsresearch.co.uk/flying-acros...

09.05.2025 15:02 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today's pensions goth blog explore the growing power of the influencer and asks how we can keep up with and regulate this source of information and advice.

pensionsresearch.co.uk/are-finfluen...

02.05.2025 10:32 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today's pensions goth blog reflects on FCA's consideration of early access to pensions for house purchase, and urges that we consider the potential impact on retirement income and the market.
pensionsresearch.co.uk/roof-today-r...

25.04.2025 09:11 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Today's pensions goth blog reflects on the relationship between Easter and pensions - and the fall of an empire: from Pilate to automatic enrolment. Happy Easter!

pensionsresearch.co.uk/pensions-pil...

17.04.2025 08:54 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Friday pensions goth blog!
This week’s pension goth blog is about the impasse brought about by value for money and the tension between businessΒ andΒ regulation.
pensionsresearch.co.uk/vfm-who-will...

11.04.2025 08:25 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Big investors look to sell out of private equity after market rout Pensions and endowments seek exit from battered portfolios in blow to buyout industry

Big investors look to sell out of private equity after market rout

www.ft.com/content/b7c5...

We might need to work harder to achieve Mansion House goals...

07.04.2025 08:46 β€” πŸ‘ 3    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Friday pensions goth blog: pensionsresearch.co.uk/closing-the-...

04.04.2025 10:40 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

Torsten Bell says that the Government are going ahead with small pots consolidation - just now at TUC conference. Does this mean we will see legislation for multiple default consolidators in the Pensions Bill?

02.04.2025 09:27 β€” πŸ‘ 2    πŸ” 1    πŸ’¬ 0    πŸ“Œ 0
Lord Davies on inheritance tax on pension savings – closing the loophole - Daniela Silcock Pensions Research Lord Davies of Brixton recently, and very kindly, bought me a cup of tea and had a chat with me about IHT. I think he quite clearly sets out the government’s rationale for applying IHT to pension savi...

Pensions Goth blog:
Lord Davies on pensions inheritance tax - closing the loophole!
pensionsresearch.co.uk/lord-davies-...

28.03.2025 10:17 β€” πŸ‘ 3    πŸ” 1    πŸ’¬ 1    πŸ“Œ 0
Benefit cuts could badly impact older people - Daniela Silcock Pensions Research On Tuesday, the Government announced reforms to working age disability benefits with the stated aim of helping those who can work to do so, and supporting those who can’t. This will be done via provid...

Friday pensions goth blog

pensionsresearch.co.uk/benefit-cuts...

21.03.2025 10:59 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
The regulatory bar could be too high and uncertain for private sector dashboards, but there are still opportunities for private sector participation - Daniela Silcock Pensions Research I heard Richard Smith at a Select Committee the other day sharing his view that he does not think we are going to see any private sector dashboards. So, I scheduled a chat with him to hear more. Not o...

Friday pensions goth blog

Richard Smith on why we may never see private sector dashboards, and what we could do instead!

pensionsresearch.co.uk/the-regulato...

14.03.2025 10:00 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
Industry/Government sandwich! - Daniela Silcock Pensions Research I’m watching the Work and Pensions Committee evidence session on dashboards that took place yesterday. Excellent evidence from Richard Smith, Kim Gubler, Brian Byrnes, and Maurice Titley. I really enj...

Friday pensions goth blog!

pensionsresearch.co.uk/industry-gov...

07.03.2025 13:42 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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Climate change investments would boost student pension engagement Increased investment in climate change solutions would encourage more than half (54%) of students to engage with their pensions, research from Now Pensions has found.

81% of students think climate change is more important than growing savings - will they still think so over time if they see default funds growing more quickly than sustainable funds? What can we do to boost sustainable investment? www.professionalpensions.com/news/4410432...

06.03.2025 17:11 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

@stevewebb1.bsky.social

28.02.2025 09:30 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0

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