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 the ultimate information service for the UK pensions industry designed and conceived by it.
New and recently amended documents
Perspective is updated throughout the day as new documents are added and others are amended.
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.
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.
Keeling Materials
Perspective’s Keeling Schedules help users understand the impact of proposed changes to legislation by showing how an existing law will appear if a proposed amendment is made.
Public Sector Scheme Rules and 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 starting from 1997.
Law Reports
The PBLR series is provided by Robin Ellison and covers not just UK and European cases but also selected 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 Requirements Rules can all be found here.
Statistics
An ever-growing compilation of statistics from DWP, HM Treasury and other sources, 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 users of all experience levels to have a thorough understanding of the issues relating to the design, administration and regulation of pension schemes. Its content is updated regularly.
Timeline
The Perspective Timeline serves as an evolving record of significant events relevant to the law and regulation of pensions. Such events marked in the Perspective Timeline include closing dates for industry consultations, expected dates of government reviews and anticipated dates of significant court appeals.
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.
