Perspective

Pendragon developed Perspective with the help of key professionals from the pensions industry who helped us to understand how they work and what they need. Perspective is, therefore, the ultimate information service for the UK pensions industry designed and conceived by it.

Widely seen as the electronic information service of choice for the UK pensions professional, Perspective has revolutionised the way those working in pensions carry out technical research.

With the ever increasing burden of legal and regulatory change affecting pensions, Perspective gives advisors and practitioners the confidence and peace of mind that the library resource they use is both comprehensive and up-to-date.

The time available for research has been dramatically reduced, resulting in a need for a more cost-effective use of time.

Subscribers include virtually all leading pension law firms, benefit consultants and consulting actuaries, Government departments, trade organisations, regulatory bodies, insurance companies, product providers, pension administrators, pension trustees and a number of the major pension funds.

Perspective works best on Chrome and Edge (2020 or later).

Other browsers are not supported and functionality will be limited.

NEW AND RECENTLY AMENDED DOCUMENTS

Perspective is updated throughout the day as new documents are added and others are amended. To see a list of these updates, click here.

What’s on Perspective

Acts and Bills

Acts of Parliament, either in their entirety or with pensions-specific provisions only. We also publish relevant Bills as they proceed through Parliament.

Statutory Instruments

Statutory Instruments (including Scottish Statutory Instruments), Explanatory Memoranda and Draft Statutory Instruments.

Public Sector Scheme Rules & Other Documents

Key Statutory Instruments governing various public sector schemes (Local Government, Police, NHS, Fire, Teachers and Civil Service), together with GAD guidance, bulletins and more.

Regulatory Materials

This extensive collection of regulatory materials includes HMRC Tax Manuals, TPR Codes of Practice, Accounting Standards and Guidance from a wide range of Government and other bodies.

European Union Materials

Treaties, Directives and other documents relating to pensions.

News

In addition to receiving daily news alerts by email, you can also use Perspective to browse or search across all our news articles from 1997.

Law Reports

The PBLR series is provided by Robin Ellison and covers not just UK and European cases but also select cases from foreign jurisdictions.

Pensions Ombudsman Service

This collection has the full text of over 7,000 determinations along with guidance and commentary.

Parliamentary Materials

Hansard proceedings relating to the passage of Bills through Parliament, statements, debates, written answers and Committee meetings are all featured here.

Reports, Consultations, etc

This is where you will find an extensive collection of reports and consultation documents from a wide range of Government and other bodies.

Commentary

Provided by key players in the pensions industry, our commentary can help keep you abreast of new developments and opinion.

Tax Manuals

Perspective carries a fully marked up and time travelled version of the Pensions Tax Manual (PTM) (HMRC’s guidance on the taxation of pension schemes), as well as its predecessors, the Registered Pension Schemes Manual (RPSM) and the Pension Schemes Office Manual (Volumes I & II).

Other Scheme Rules

The scheme rules for Civil Service Pensions, NEST and the DWP Hybrid Schemes Quality Requirement Rules can all be found here.

Statistics

An ever-growing compilation of statistics from DWP, HM Treasury and other sources, and which include various Indices and Rates, Investment Statistics, Tax Rates and Allowances and many more.

Spotlight on Pensions

Spotlight on Pensions, written by Kevin LeGrand, is a leading source of analysis and guidance for trustees, managers, administrators, advisers and other pensions professionals. It is designed to assist such readers of all experience levels to have a thorough understanding of the issues relating to the design, administration and regulation of pension schemes. Its content will be updated regularly.

LeGrand View

LeGrand View is produced on a regular basis and covers topics that our author, Kevin LeGrand, considers important for those working in UK pensions. Current and previous editions of LeGrand View can be accessed here. In addition, all members of the pensions community can sign up to receive complimentary copies by email.

PensionSurveys

Subscribers to our news service will be familiar with PensionSurveys, but our reports are also included on Perspective as fully searchable documents.

Your Own Documentation

You can speak to us about adding your own information to Perspective (eg scheme rules, reports, handbooks, communications).

Why you need Perspective

Minimise Risk

Can you afford to make a wrong decision or give incorrect advice in an area as technically complex as UK pensions? Minimise the risk and be confident in your research by using Perspective.

Save Time and Money

Perspective frees pensions professionals from a time-consuming research effort so they can concentrate on giving advice. The easy-to-use system provides immediate access to relevant materials.

Enjoy Added Value

Perspective’s unique functionality has been designed and conceived with the pensions industry. Access a comprehensive range of up-to-date documents within seconds, with historic and annotated versions just a click away.

Join Our Community

Highly valued by its users, Perspective can be found in the offices of most major advisors, Government departments and regulators, as well as a growing range of pension funds and financial institutions. Use Perspective to share information with clients and colleagues with ease.

Access Knowledge Anywhere

Our new online system allows you to use Perspective wherever and whenever you need it.