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A valuation is an assessment of the scheme’s assets (the investments we hold, and the returns we expect to make on those investments) and the liabilities (the amount we need to pay the pensions already earned).

Employer and member contributions are invested to fund future pensions. The level of investment return we can reasonably expect from them in future has a strong influence on the ability to fund pension promises already made and whether a given level of pension can continue to be offered without jeopardising the sustainability of the scheme.

An archive of information from the 2018 valuation.

Retirement might seem far off, but research shows time passes more quickly as you get older

If you’re aged 45-70, you should check out your National Insurance status before the 31 July deadline.

That’s the message from the whole pension industry, as we team up with the Pensions and Lifetime Savings Association (PLSA) and the Association of British Insurers (ABI) to support the 'Pension Attention' campaign.

As the cost-of-living crisis dominates our headlines, it’s clear that many of us are anxious about making ends meet. When money is tight, it’s much harder to save money and plan for the future. This means that you might have been looking at your outgoings and taking measures to free up cash to cover day-to-day costs.