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Pensions Investment Review

The Pensions Investment Review, led by DWP, HM Treasury, and MHCLG, examines how to increase pension investment returns and improve pension adequacy, including State Pension reform and a broader pensions adequacy review. The government is establishing a Pensions Commission and reviewing State Pension age while considering how to ensure pensioners achieve a minimum dignified standard of living.

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2026

1 event

2025

7 events
29 May 2025 | Consultation outcome Department for Work and Pensions HM Treasury linked

Unlocking the UK pensions market for growth — outcome published

This consultation sets out proposed reforms to deliver scale, accelerate consolidation and drive a focus on value over cost in the Defined Contribution (DC) workplace pensions market and explores other changes.

▤ View document · ↗ GOV.UK · ↓ Pensions Investment Review: Unlocking the UK pe…
+2 more
↓ Pensions Investment Review: Unlocking the UK pensions marke… (37pp) ↓ Unlocking the UK pensions market for growth Consultation Re… (47pp)
16 Jan 2025 | Consultation outcome Department for Work and Pensions HM Treasury linked

Unlocking the UK pensions market for growth — consultation closed

This consultation sets out proposed reforms to deliver scale, accelerate consolidation and drive a focus on value over cost in the Defined Contribution (DC) workplace pensions market and explores other changes.

▤ View document · ↗ GOV.UK · ↓ Pensions Investment Review: Unlocking the UK pe…
+2 more
↓ Pensions Investment Review: Unlocking the UK pensions marke… (37pp) ↓ Unlocking the UK pensions market for growth Consultation Re… (47pp)

2024

7 events
14 Nov 2024 | Consultation outcome Department for Work and Pensions HM Treasury linked

Unlocking the UK pensions market for growth — consultation opened

This consultation sets out proposed reforms to deliver scale, accelerate consolidation and drive a focus on value over cost in the Defined Contribution (DC) workplace pensions market and explores other changes.

▤ View document · ↗ GOV.UK · ↓ Pensions Investment Review: Unlocking the UK pe…
+2 more
↓ Pensions Investment Review: Unlocking the UK pensions marke… (37pp) ↓ Unlocking the UK pensions market for growth Consultation Re… (47pp)
21 Mar 2024 | Announcement Department for Work and Pensions linked

State Pension Update

UIN: HLWS367 My Right Honourable Friend, The Secretary of State for Work and Pensions (Mel Stride MP) has made the following Written Statement.The Parliamentary and Health Service Ombudsman has today published his final report on his investigation into State Pension …

▤ View document · ↗ GOV.UK · ↓
21 Mar 2024 | Announcement Department for Work and Pensions linked

State Pension Update

UIN: HCWS372 The Parliamentary and Health Service Ombudsman has today published his final report on his investigation into State Pension age changes communication. The timing and date of publication was entirely of the Ombudsman’s choosing, which the Government plays ...

▤ View document · ↗ GOV.UK · ↓
29 Jan 2024 | Consultation outcome Department for Work and Pensions linked

Draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023 — outcome published

This consultation seeks views on the draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023, and invites comments on proposals to amend the Occupational Pension Schemes (Scheme Funding) Regulations 2005 and details of the new requirement for …

▤ View document · ↗ GOV.UK · ↓ Consultation document: The draft Occupational P…
+5 more
↓ Consultation document: The draft Occupational Pension Schem… (35pp) ↓ Draft Occupational Pension Schemes (Funding and Investment … (13pp) ↓ Consultation impact assessment ↓ Consultation impact assessment (9pp) ↓ Government response: The draft Occupational Pension Schemes…

2023

6 events
30 Mar 2023 | Policy paper Department for Work and Pensions linked

State Pension age review 2023: government report

This report explains the government’s position and provides proposals for next steps regarding any changes to the State Pension age.

▤ View document · ↗ GOV.UK · ↓ State Pension age Review 2023
+4 more
↓ State Pension age Review 2023 (33pp) ↓ State Pension age Review 2023 (print-ready PDF) (40pp) ↓ Welsh: Adolygiad oedran Pensiwn y Wladwriaeth 2023 ↓ Welsh: Adolygiad oedran Pensiwn y Wladwriaeth 2023 (12pp)
30 Mar 2023 | Consultation outcome HM Treasury linked

Public service pensions: Consultation on the discount rate methodology — outcome published

This consultation seeks views on the methodology the Government uses to set the SCAPE discount rate.

▤ View document · ↗ GOV.UK · ↓ Consultation on the discount rate methodology (35pp)
+5 more
↓ Public Service Pensions: Consultation on the discount rate … (59pp) ↓ HMT to Government Actuary SCAPE methodology response letter (3pp) ↓ HMT to Governement Actuary SCAPE methodology response lette… (2pp) ↓ Government Actuary to HMT SCAPE methodology response letter (10pp) ↓ Government Actuary to HMT SCAPE methodology response letter… (4pp)

2022

6 events
18 Oct 2022 | Consultation outcome Department for Work and Pensions linked

Draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023 — consultation closed

This consultation seeks views on the draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023, and invites comments on proposals to amend the Occupational Pension Schemes (Scheme Funding) Regulations 2005 and details of the new requirement for …

▤ View document · ↗ GOV.UK · ↓ Consultation document: The draft Occupational P…
+5 more
↓ Consultation document: The draft Occupational Pension Schem… (35pp) ↓ Draft Occupational Pension Schemes (Funding and Investment … (13pp) ↓ Consultation impact assessment ↓ Consultation impact assessment (9pp) ↓ Government response: The draft Occupational Pension Schemes…
26 Jul 2022 | Consultation outcome Department for Work and Pensions linked

Draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023 — consultation opened

This consultation seeks views on the draft Occupational Pension Schemes (Funding and Investment Strategy and Amendment) Regulations 2023, and invites comments on proposals to amend the Occupational Pension Schemes (Scheme Funding) Regulations 2005 and details of the new requirement for …

▤ View document · ↗ GOV.UK · ↓ Consultation document: The draft Occupational P…
+5 more
↓ Consultation document: The draft Occupational Pension Schem… (35pp) ↓ Draft Occupational Pension Schemes (Funding and Investment … (13pp) ↓ Consultation impact assessment ↓ Consultation impact assessment (9pp) ↓ Government response: The draft Occupational Pension Schemes…
6 Jun 2022 | Consultation outcome Department for Work and Pensions linked

Trustee oversight of investment consultants and fiduciary managers — outcome published

This consultation seeks views on the draft Occupational Pension Schemes (Governance and Registration) (Amendment) Regulations 2019.

▤ View document · ↗ GOV.UK · ↓ Consultation on delivering the Competition and …
+5 more
↓ The Occupational Pension Schemes (Governance and Registrati… (16pp) ↓ Impact assessment (consultation): The Occupational Pension … (18pp) ↓ Government response: Delivering the Competition and Markets… ↓ Impact assessment (final): The Occupational Pension Schemes… ↓ Impact assessment (final): The Occupational Pension Schemes… (23pp)
24 Mar 2022 | Announcement Department for Work and Pensions linked

State Pension LEAP

UIN: HCWS719 I wish to update the House on the State Pension correction activity that is addressing historical errors, that were unaddressed by successive Governments. We are fully committed to ensuring that any historical errors are addressed as quickly as …

▤ View document · ↗ GOV.UK
21 Feb 2022 | Consultation outcome Department for Work and Pensions linked

Guaranteed Minimum Pension Fixed Rate Revaluation — outcome published

Consultation on the Guaranteed Minimum Pension (GMP) Fixed Rate Revaluation.

▤ View document · ↗ GOV.UK · ↓ Guaranteed Minimum Pension Fixed Rate Revaluati…
+4 more
↓ Guaranteed Minimum Pension Fixed Rate Revaluation (7pp) ↓ Annex A: Government Actuary’s Department report: Fixed Rate… ↓ Annex A: Government Actuary’s Department report: Fixed Rate… (7pp) ↓ Government response: Guaranteed Minimum Pension Fixed Rate …

2021

13 events
14 Dec 2021 | Announcement Department for Work and Pensions linked

State Pension Age Review

UIN: HCWS480 My Department is launching the second Government Review of State Pension age, which must be published by May 2023, under Section 27 of the Pensions Act 2014.As the number of people over State Pension age increases, due to …

▤ View document · ↗ GOV.UK
18 Nov 2021 | Consultation outcome Department for Work and Pensions linked

Guaranteed Minimum Pension Fixed Rate Revaluation — consultation closed

Consultation on the Guaranteed Minimum Pension (GMP) Fixed Rate Revaluation.

▤ View document · ↗ GOV.UK · ↓ Guaranteed Minimum Pension Fixed Rate Revaluati…
+4 more
↓ Guaranteed Minimum Pension Fixed Rate Revaluation (7pp) ↓ Annex A: Government Actuary’s Department report: Fixed Rate… ↓ Annex A: Government Actuary’s Department report: Fixed Rate… (7pp) ↓ Government response: Guaranteed Minimum Pension Fixed Rate …
23 Sep 2021 | Consultation outcome Department for Work and Pensions linked

Guaranteed Minimum Pension Fixed Rate Revaluation — consultation opened

Consultation on the Guaranteed Minimum Pension (GMP) Fixed Rate Revaluation.

▤ View document · ↗ GOV.UK · ↓ Guaranteed Minimum Pension Fixed Rate Revaluati…
+4 more
↓ Guaranteed Minimum Pension Fixed Rate Revaluation (7pp) ↓ Annex A: Government Actuary’s Department report: Fixed Rate… ↓ Annex A: Government Actuary’s Department report: Fixed Rate… (7pp) ↓ Government response: Guaranteed Minimum Pension Fixed Rate …
19 Aug 2021 | Consultation outcome HM Treasury linked

Public service pensions: Consultation on the discount rate methodology — consultation closed

This consultation seeks views on the methodology the Government uses to set the SCAPE discount rate.

▤ View document · ↗ GOV.UK · ↓ Consultation on the discount rate methodology (35pp)
+5 more
↓ Public Service Pensions: Consultation on the discount rate … (59pp) ↓ HMT to Government Actuary SCAPE methodology response letter (3pp) ↓ HMT to Governement Actuary SCAPE methodology response lette… (2pp) ↓ Government Actuary to HMT SCAPE methodology response letter (10pp) ↓ Government Actuary to HMT SCAPE methodology response letter… (4pp)
19 Jul 2021 | Consultation outcome HM Treasury linked

Public service pension schemes consultation: changes to the transitional arrangements to the 2015 schemes — outcome published

This consultation seeks views on proposals relating to the 2015 public service pension scheme reforms.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions Consultation (74pp)
+7 more
↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions EIA (38pp) ↓ Update on the Cost Control Element of the 2016 Valuations (2pp) ↓ Public Service Pensions: Government response to consultation (72pp) ↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions: EqIA (53pp) ↓ Update on the 2016 and 2020 Valuations
24 Jun 2021 | Consultation outcome HM Treasury linked

Public service pensions: Consultation on the discount rate methodology — consultation opened

This consultation seeks views on the methodology the Government uses to set the SCAPE discount rate.

▤ View document · ↗ GOV.UK · ↓ Consultation on the discount rate methodology (35pp)
+5 more
↓ Public Service Pensions: Consultation on the discount rate … (59pp) ↓ HMT to Government Actuary SCAPE methodology response letter (3pp) ↓ HMT to Governement Actuary SCAPE methodology response lette… (2pp) ↓ Government Actuary to HMT SCAPE methodology response letter (10pp) ↓ Government Actuary to HMT SCAPE methodology response letter… (4pp)
21 Apr 2021 | Announcement Department for Work and Pensions linked

Update: State Pension Underpayments

UIN: HLWS927 My honourable Friend, the Parliamentary Under Secretary of State for Pensions & Financial Inclusion (Guy Opperman MP) has made the following Written Statement. I wish to update the House on the State Pension correction activity that is addressing …

▤ View document · ↗ GOV.UK
23 Mar 2021 | Consultation outcome HM Treasury linked

Public Service Pensions: Guaranteed Minimum Pension Indexation consultation — outcome published

Seeks views on how the government proposes to continue to meet past commitments to public servants regarding the full indexation of public service pensions, including any GMP element.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions: GMP indexation consult… (37pp)
+1 more
↓ Guaranteed Minimum Pension indexation consultation outcome (32pp)
4 Mar 2021 | Announcement Department for Work and Pensions linked

Update: State Pension Correction Exercise

UIN: HLWS818 My honourable Friend, the Parliamentary Under Secretary of State for Pensions & Financial Inclusion (Guy Opperman MP) has made the following Written Statement.This statement provides an update to the House on uplifts to State Pension which has been …

▤ View document · ↗ GOV.UK
4 Mar 2021 | Announcement Department for Work and Pensions linked

Update: State Pension Correction Exercise

UIN: HCWS824 This statement provides an update to the House on uplifts to State Pension which has been a matter of Parliamentary interest since 2020. We are committed to making sure that those people found to have been underpaid State …

▤ View document · ↗ GOV.UK

2020

4 events
30 Dec 2020 | Consultation outcome HM Treasury linked

Public Service Pensions: Guaranteed Minimum Pension Indexation consultation — consultation closed

Seeks views on how the government proposes to continue to meet past commitments to public servants regarding the full indexation of public service pensions, including any GMP element.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions: GMP indexation consult… (37pp)
+1 more
↓ Guaranteed Minimum Pension indexation consultation outcome (32pp)
12 Oct 2020 | Consultation outcome HM Treasury linked

Public service pension schemes consultation: changes to the transitional arrangements to the 2015 schemes — consultation closed

This consultation seeks views on proposals relating to the 2015 public service pension scheme reforms.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions Consultation (74pp)
+7 more
↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions EIA (38pp) ↓ Update on the Cost Control Element of the 2016 Valuations (2pp) ↓ Public Service Pensions: Government response to consultation (72pp) ↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions: EqIA (53pp) ↓ Update on the 2016 and 2020 Valuations
7 Oct 2020 | Consultation outcome HM Treasury linked

Public Service Pensions: Guaranteed Minimum Pension Indexation consultation — consultation opened

Seeks views on how the government proposes to continue to meet past commitments to public servants regarding the full indexation of public service pensions, including any GMP element.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions: GMP indexation consult… (37pp)
+1 more
↓ Guaranteed Minimum Pension indexation consultation outcome (32pp)
16 Jul 2020 | Consultation outcome HM Treasury linked

Public service pension schemes consultation: changes to the transitional arrangements to the 2015 schemes — consultation opened

This consultation seeks views on proposals relating to the 2015 public service pension scheme reforms.

▤ View document · ↗ GOV.UK · ↓ Public Service Pensions Consultation (74pp)
+7 more
↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions EIA (38pp) ↓ Update on the Cost Control Element of the 2016 Valuations (2pp) ↓ Public Service Pensions: Government response to consultation (72pp) ↓ Public Service Pensions leaflet (3pp) ↓ Public Service Pensions: EqIA (53pp) ↓ Update on the 2016 and 2020 Valuations

2019

3 events
2 Sep 2019 | Consultation outcome Department for Work and Pensions linked

Trustee oversight of investment consultants and fiduciary managers — consultation closed

This consultation seeks views on the draft Occupational Pension Schemes (Governance and Registration) (Amendment) Regulations 2019.

▤ View document · ↗ GOV.UK · ↓ Consultation on delivering the Competition and …
+5 more
↓ The Occupational Pension Schemes (Governance and Registrati… (16pp) ↓ Impact assessment (consultation): The Occupational Pension … (18pp) ↓ Government response: Delivering the Competition and Markets… ↓ Impact assessment (final): The Occupational Pension Schemes… ↓ Impact assessment (final): The Occupational Pension Schemes… (23pp)
13 Aug 2019 | Consultation outcome Department for Work and Pensions linked

Pension trustees: clarifying and strengthening investment duties — outcome published

This consultation seeks views on the draft Occupational Pension Schemes (Investment and Disclosure) (Amendment) Regulations 2018.

▤ View document · ↗ GOV.UK · ↓ Consultation on clarifying and strengthening tr… (37pp)
+10 more
↓ Draft regulations: The Occupational Pension Schemes (Invest… (4pp) ↓ Draft guidance: Cost, charge and related information report… (14pp) ↓ Impact assessment: Clarifying and strengthening trustees’ i… (21pp) ↓ Government response: Clarifying and strengthening trustees’… (58pp) ↓ 100 Group to BT Pension Scheme Trustees ↓ Cardano to Hymans Robertson LLP ↓ Implementation Taskforce to Law Debenture Pension Trustees ↓ Legal & General Investment Management to NOW Pensions ↓ OneSource to SRI Services ↓ Tesco to Zurich
29 Jul 2019 | Consultation outcome Department for Work and Pensions linked

Trustee oversight of investment consultants and fiduciary managers — consultation opened

This consultation seeks views on the draft Occupational Pension Schemes (Governance and Registration) (Amendment) Regulations 2019.

▤ View document · ↗ GOV.UK · ↓ Consultation on delivering the Competition and …
+5 more
↓ The Occupational Pension Schemes (Governance and Registrati… (16pp) ↓ Impact assessment (consultation): The Occupational Pension … (18pp) ↓ Government response: Delivering the Competition and Markets… ↓ Impact assessment (final): The Occupational Pension Schemes… ↓ Impact assessment (final): The Occupational Pension Schemes… (23pp)

2018

6 events
29 Oct 2018 | Consultation outcome HM Treasury linked

Ban on cold calling in relation to pensions — outcome published

Seeking technical views on draft regulations to ban pensions cold calling.

▤ View document · ↗ GOV.UK · ↓ Ban on cold calling in relation to pensions: co…
+3 more
↓ Ban on cold calling in relation to pensions: consultation a… (4pp) ↓ Privacy notice for consultation on the ban on cold calling … ↓ Regulations to ban pensions cold calling: consultation resp… (36pp)
17 Aug 2018 | Consultation outcome HM Treasury linked

Ban on cold calling in relation to pensions — consultation closed

Seeking technical views on draft regulations to ban pensions cold calling.

▤ View document · ↗ GOV.UK · ↓ Ban on cold calling in relation to pensions: co…
+3 more
↓ Ban on cold calling in relation to pensions: consultation a… (4pp) ↓ Privacy notice for consultation on the ban on cold calling … ↓ Regulations to ban pensions cold calling: consultation resp… (36pp)
20 Jul 2018 | Consultation outcome HM Treasury linked

Ban on cold calling in relation to pensions — consultation opened

Seeking technical views on draft regulations to ban pensions cold calling.

▤ View document · ↗ GOV.UK · ↓ Ban on cold calling in relation to pensions: co…
+3 more
↓ Ban on cold calling in relation to pensions: consultation a… (4pp) ↓ Privacy notice for consultation on the ban on cold calling … ↓ Regulations to ban pensions cold calling: consultation resp… (36pp)
16 Jul 2018 | Consultation outcome Department for Work and Pensions linked

Pension trustees: clarifying and strengthening investment duties — consultation closed

This consultation seeks views on the draft Occupational Pension Schemes (Investment and Disclosure) (Amendment) Regulations 2018.

▤ View document · ↗ GOV.UK · ↓ Consultation on clarifying and strengthening tr… (37pp)
+10 more
↓ Draft regulations: The Occupational Pension Schemes (Invest… (4pp) ↓ Draft guidance: Cost, charge and related information report… (14pp) ↓ Impact assessment: Clarifying and strengthening trustees’ i… (21pp) ↓ Government response: Clarifying and strengthening trustees’… (58pp) ↓ 100 Group to BT Pension Scheme Trustees ↓ Cardano to Hymans Robertson LLP ↓ Implementation Taskforce to Law Debenture Pension Trustees ↓ Legal & General Investment Management to NOW Pensions ↓ OneSource to SRI Services ↓ Tesco to Zurich
18 Jun 2018 | Consultation outcome Department for Work and Pensions linked

Pension trustees: clarifying and strengthening investment duties — consultation opened

This consultation seeks views on the draft Occupational Pension Schemes (Investment and Disclosure) (Amendment) Regulations 2018.

▤ View document · ↗ GOV.UK · ↓ Consultation on clarifying and strengthening tr… (37pp)
+10 more
↓ Draft regulations: The Occupational Pension Schemes (Invest… (4pp) ↓ Draft guidance: Cost, charge and related information report… (14pp) ↓ Impact assessment: Clarifying and strengthening trustees’ i… (21pp) ↓ Government response: Clarifying and strengthening trustees’… (58pp) ↓ 100 Group to BT Pension Scheme Trustees ↓ Cardano to Hymans Robertson LLP ↓ Implementation Taskforce to Law Debenture Pension Trustees ↓ Legal & General Investment Management to NOW Pensions ↓ OneSource to SRI Services ↓ Tesco to Zurich

2017

3 events
8 Feb 2017 | Consultation outcome HM Treasury linked

Introducing a Pensions Advice Allowance — outcome published

This consultation seeks views on the government’s plans to allow people to use £500 tax free from their defined contribution pension pot to pay for retirement advice. This was recommended by the Financial Advice Market Review.

▤ View document · ↗ GOV.UK · ↓ Introducing a Pensions Advice Allowance: consul…
+1 more
↓ Introducing a Pensions Advice Allowance: response to the co… (24pp)

2016

6 events
26 Oct 2016 | Consultation outcome HM Treasury linked

Introducing a Pensions Advice Allowance — consultation closed

This consultation seeks views on the government’s plans to allow people to use £500 tax free from their defined contribution pension pot to pay for retirement advice. This was recommended by the Financial Advice Market Review.

▤ View document · ↗ GOV.UK · ↓ Introducing a Pensions Advice Allowance: consul…
+1 more
↓ Introducing a Pensions Advice Allowance: response to the co… (24pp)
30 Aug 2016 | Consultation outcome HM Treasury linked

Introducing a Pensions Advice Allowance — consultation opened

This consultation seeks views on the government’s plans to allow people to use £500 tax free from their defined contribution pension pot to pay for retirement advice. This was recommended by the Financial Advice Market Review.

▤ View document · ↗ GOV.UK · ↓ Introducing a Pensions Advice Allowance: consul…
+1 more
↓ Introducing a Pensions Advice Allowance: response to the co… (24pp)

2015

4 events
17 Feb 2015 | Consultation outcome Department for Business, Innovation & Skills HM Treasury linked

Banking reform: draft pensions regulations — outcome published

Seeking views on the draft Banking Reform Pensions Regulations.

▤ View document · ↗ GOV.UK · ↓ Banking reform: draft pensions regulations
+3 more
↓ Draft statutory instruments: banking reform pensions regula… (6pp) ↓ Impact assessment for draft pensions regulations (35pp) ↓ Banking reform: response to the consultation on draft pensi… (20pp)

2014

2 events
16 Oct 2014 | Consultation outcome Department for Business, Innovation & Skills HM Treasury linked

Banking reform: draft pensions regulations — consultation closed

Seeking views on the draft Banking Reform Pensions Regulations.

▤ View document · ↗ GOV.UK · ↓ Banking reform: draft pensions regulations
+3 more
↓ Draft statutory instruments: banking reform pensions regula… (6pp) ↓ Impact assessment for draft pensions regulations (35pp) ↓ Banking reform: response to the consultation on draft pensi… (20pp)
24 Jul 2014 | Consultation outcome Department for Business, Innovation & Skills HM Treasury linked

Banking reform: draft pensions regulations — consultation opened

Seeking views on the draft Banking Reform Pensions Regulations.

▤ View document · ↗ GOV.UK · ↓ Banking reform: draft pensions regulations
+3 more
↓ Draft statutory instruments: banking reform pensions regula… (6pp) ↓ Impact assessment for draft pensions regulations (35pp) ↓ Banking reform: response to the consultation on draft pensi… (20pp)

2004

2 events