Daniela Silcock
@pensionsgoth.bsky.social
Researcher, analyst, commentator, pensions enthusiast. https://pensionsresearch.co.uk/
This week’s Pensions Goth blog explores why short-term Budgets keep shaping long-term pensions, creating uncertainty and driving behavioural shifts, and looks at alternatives such as using the new Pensions Commission and reducing ad hoc Budget changes. pensionsresearch.co.uk/budgets-are-...
November 21, 2025 at 2:41 PM
This week’s Pensions Goth blog explores why short-term Budgets keep shaping long-term pensions, creating uncertainty and driving behavioural shifts, and looks at alternatives such as using the new Pensions Commission and reducing ad hoc Budget changes. pensionsresearch.co.uk/budgets-are-...
Today’s Pensions Goth blog digs into the clash between human instinct and pension saving, and why policies that work with our brains, like AE and higher defaults, deliver far more than education alone. pensionsresearch.co.uk/long-live-th...
November 14, 2025 at 1:54 PM
Today’s Pensions Goth blog digs into the clash between human instinct and pension saving, and why policies that work with our brains, like AE and higher defaults, deliver far more than education alone. pensionsresearch.co.uk/long-live-th...
Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/why-gambling...
November 7, 2025 at 12:36 PM
Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/why-gambling...
Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/wp-admin/pos...
November 7, 2025 at 12:35 PM
Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/wp-admin/pos...
Today’s Pensions Goth blog asks whether it’s time for a National Insurance plan for care, because some costs are simply too big for individuals to bear alone. pensionsresearch.co.uk/we-need-a-na...
October 31, 2025 at 10:43 AM
Today’s Pensions Goth blog asks whether it’s time for a National Insurance plan for care, because some costs are simply too big for individuals to bear alone. pensionsresearch.co.uk/we-need-a-na...
From water scarcity to supply chain shocks, nature risk is already hitting portfolios. Today’s Pensions Goth asks: how should pension schemes respond? pensionsresearch.co.uk/nature-inequ...
October 24, 2025 at 2:23 PM
From water scarcity to supply chain shocks, nature risk is already hitting portfolios. Today’s Pensions Goth asks: how should pension schemes respond? pensionsresearch.co.uk/nature-inequ...
Today’s Pensions Goth blog (a little late!) explores how AI is already reshaping financial advice, not tomorrow, but right now, and why the biggest risk isn’t robots taking over, but algorithms quietly rewriting what people understand about pensions. pensionsresearch.co.uk/ai-advice-an...
October 20, 2025 at 2:06 PM
Today’s Pensions Goth blog (a little late!) explores how AI is already reshaping financial advice, not tomorrow, but right now, and why the biggest risk isn’t robots taking over, but algorithms quietly rewriting what people understand about pensions. pensionsresearch.co.uk/ai-advice-an...
Today’s Pensions Goth blog asks whether we’ve lost sight of the philosophy that once underpinned our welfare system, Beveridge’s vision of support “from cradle to grave.” pensionsresearch.co.uk/fairness-phi...
October 10, 2025 at 11:24 AM
Today’s Pensions Goth blog asks whether we’ve lost sight of the philosophy that once underpinned our welfare system, Beveridge’s vision of support “from cradle to grave.” pensionsresearch.co.uk/fairness-phi...
Today’s Pensions Goth Blog asks: are we overlooking the UK stock market? Reforms focus on private markets, but listed equities still drive growth and could anchor pensions closer to home. pensionsresearch.co.uk/dont-forget-... @williamw1.bsky.social
October 3, 2025 at 1:07 PM
Today’s Pensions Goth Blog asks: are we overlooking the UK stock market? Reforms focus on private markets, but listed equities still drive growth and could anchor pensions closer to home. pensionsresearch.co.uk/dont-forget-... @williamw1.bsky.social
Help us understand more about how people learn! Circulate this survey link to any family and friends who use social media! s.surveyplanet.com/ngd1035n
October 2, 2025 at 1:42 PM
Help us understand more about how people learn! Circulate this survey link to any family and friends who use social media! s.surveyplanet.com/ngd1035n
Today's Pensions Goth Blog explores what happens when life expectancy stalls but the State Pension Age keeps rising. pensionsresearch.co.uk/stalled-long...
September 26, 2025 at 10:39 AM
Today's Pensions Goth Blog explores what happens when life expectancy stalls but the State Pension Age keeps rising. pensionsresearch.co.uk/stalled-long...
Today’s Pensions Goth Blog explores how financial influencers are shaping the way people think about pensions and later life – and why understanding this is vital for future reforms. pensionsresearch.co.uk/why-we-are-s...
s.surveyplanet.com/ngd1035n
s.surveyplanet.com/ngd1035n
September 19, 2025 at 11:47 AM
Today’s Pensions Goth Blog explores how financial influencers are shaping the way people think about pensions and later life – and why understanding this is vital for future reforms. pensionsresearch.co.uk/why-we-are-s...
s.surveyplanet.com/ngd1035n
s.surveyplanet.com/ngd1035n
Help us!
DSPR is running a survey on how influencers shape views on later life.
Your answers will help tackle misinformation & improve engagement.
Please share with anyone who follows influencers! s.surveyplanet.com/ngd1035n
DSPR is running a survey on how influencers shape views on later life.
Your answers will help tackle misinformation & improve engagement.
Please share with anyone who follows influencers! s.surveyplanet.com/ngd1035n
September 18, 2025 at 11:46 AM
Help us!
DSPR is running a survey on how influencers shape views on later life.
Your answers will help tackle misinformation & improve engagement.
Please share with anyone who follows influencers! s.surveyplanet.com/ngd1035n
DSPR is running a survey on how influencers shape views on later life.
Your answers will help tackle misinformation & improve engagement.
Please share with anyone who follows influencers! s.surveyplanet.com/ngd1035n
Are pension freedoms giving people a vital safety net — or encouraging early exits from work? Today’s Pensions Goth blog explores how flexible access may be shaping economic inactivity among older workers, and what this means for future retirement incomes.
pensionsresearch.co.uk/is-economic-...
pensionsresearch.co.uk/is-economic-...
September 12, 2025 at 11:33 AM
Are pension freedoms giving people a vital safety net — or encouraging early exits from work? Today’s Pensions Goth blog explores how flexible access may be shaping economic inactivity among older workers, and what this means for future retirement incomes.
pensionsresearch.co.uk/is-economic-...
pensionsresearch.co.uk/is-economic-...
Today’s Pensions Goth blog explores whether people who must leave work early because of disability or caring should be able to claim their State Pension before State Pension age, and what lessons we can learn from other countries. pensionsresearch.co.uk/mind-the-gap...
September 5, 2025 at 1:37 PM
Today’s Pensions Goth blog explores whether people who must leave work early because of disability or caring should be able to claim their State Pension before State Pension age, and what lessons we can learn from other countries. pensionsresearch.co.uk/mind-the-gap...
Today’s Pensions Goth blog explores why DC cannot simply copy the LGPS model, and asks how scale, pooling and value frameworks must adapt if DC is to play a bigger role.
pensionsresearch.co.uk/why-dc-strug...
pensionsresearch.co.uk/why-dc-strug...
August 29, 2025 at 10:36 AM
Today’s Pensions Goth blog explores why DC cannot simply copy the LGPS model, and asks how scale, pooling and value frameworks must adapt if DC is to play a bigger role.
pensionsresearch.co.uk/why-dc-strug...
pensionsresearch.co.uk/why-dc-strug...
Today’s Pensions Goth Blog looks at IFM Investors’ report on modern slavery in investment portfolios, and why this matters for pension schemes as long-term investors. It covers the risks, challenges of detection, and practical steps to drive change. pensionsresearch.co.uk/modern-slave...
August 15, 2025 at 10:58 AM
Today’s Pensions Goth Blog looks at IFM Investors’ report on modern slavery in investment portfolios, and why this matters for pension schemes as long-term investors. It covers the risks, challenges of detection, and practical steps to drive change. pensionsresearch.co.uk/modern-slave...
Today’s Pensions Goth Blog explores the reality behind pensioner poverty, challenging assumptions that all older people are financially secure. It looks at who is most at risk, and why averages don’t tell the full story. #TripleLock #RetirementIncome
pensionsresearch.co.uk/beyond-the-h...
pensionsresearch.co.uk/beyond-the-h...
August 8, 2025 at 11:27 AM
Today’s Pensions Goth Blog explores the reality behind pensioner poverty, challenging assumptions that all older people are financially secure. It looks at who is most at risk, and why averages don’t tell the full story. #TripleLock #RetirementIncome
pensionsresearch.co.uk/beyond-the-h...
pensionsresearch.co.uk/beyond-the-h...
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...
pensionsresearch.co.uk/disability-b...
August 1, 2025 at 10:20 AM
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...
pensionsresearch.co.uk/disability-b...
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...
July 25, 2025 at 11:48 AM
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...
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
Big topics – and ones we need to talk about more.
#Pensions #StatePensionAge #Carers #BBCCumbria
July 22, 2025 at 4:42 PM
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
Big topics – and ones we need to talk about more.
#Pensions #StatePensionAge #Carers #BBCCumbria
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...
July 18, 2025 at 12:15 PM
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...
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
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
July 15, 2025 at 11:04 AM
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
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
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...
pensionsresearch.co.uk/do-we-need-a...
July 11, 2025 at 10:05 AM
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...
pensionsresearch.co.uk/do-we-need-a...
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...
July 4, 2025 at 8:51 AM
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...