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'Biggest pension reforms in a generation': Timing of key changes revealed

Savers will be able to see how well their pension scheme is performing and compare it to others under changes the government has described as the "biggest pension reforms in a generation".

Over the next three years, ministers say they plan to create a public league for pension schemes, claiming it will help tackle a performance gap that is leaving members £5,000 worse off over five years.

Under a new Value for Money framework, schemes will be assessed on their investment performance, costs and charges, and quality of service and rated from red (for poor value) through to green (outperforming on value).

The poorest-performing schemes will be required to improve or close.

Does the UK really offer the least generous state pension in Europe?

Where they fail to act, regulators will be allowed to issue compliance notices, levy fines or in serious cases take steps to wind up the scheme.

From 2028, larger schemes, including master trusts, large single-employer schemes and multi-employer contract-based schemes, which are open to new employers, will complete and publish these assessments.

The changes will be rolled out to all workplace pension schemes from 2029.

Find the latest personal finance and economic news in our Money blog

Torsten Bell, the pensions minister, said: "Our task is to level up the quality of the pensions private sector workers receive towards those in the public sector. For the first time, we're making sure savers can see whether they are getting a good deal from the pension they're saving into.

"We can't have people working hard to earn the money they save towards retirement, only to have those funds sitting in schemes that aren't working just as hard on their behalf."

Sky News

(c) Sky News 2026: 'Biggest pension reforms in a generation': Timing of key changes revealed

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