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  <loc>https://henrytapper.com/2026/09/26/i-know-that-many-members-of-uss-read-this-blog-and-some-members-of-its-executive-i-hope-this-is-interesting-and-fair-if-you-have-a-view-please-use-the-comments-below-as-your-correspondence-is/</loc>
  <lastmod>2026-09-26T07:14:03Z</lastmod>
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   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Should USS invest for growth or lock down its assets?</news:title>
   <news:publication_date>2026-09-26T07:14:03Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/26/this-is-not-a-new-argument-weve-been-having-it-all-century-and-in-2014-many-thought-it-had-been-settled-by-george-osborne-but-pension-freedoms-havent-been-a-success-for-the-silent-majority/</loc>
  <lastmod>2026-09-26T06:34:05Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Should DC pensions give retirement freedom or a steady income?</news:title>
   <news:publication_date>2026-09-26T06:34:05Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
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 <url>
  <loc>https://henrytapper.com/2026/09/26/can-we-get-back-to-pensions-please-a-request-to-the-thinkers/</loc>
  <lastmod>2026-09-26T05:57:05Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Can we get back to pensions please? A request to the thinkers.</news:title>
   <news:publication_date>2026-09-26T05:55:38Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/26/how-can-all-this-money-being-spent-by-will-and-the-other-thinkers-be-credited-as-value-can-it-be-justified-as-happiness-and-if-so-to-who/</loc>
  <lastmod>2026-09-26T04:55:24Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
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   <news:title>Will Sandbrook and &amp;quot;happiness&amp;quot; as a measure for VFM</news:title>
   <news:publication_date>2026-09-26T04:55:24Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/25/more-whingeing-from-the-wealthy-about-pension-taxes/</loc>
  <lastmod>2026-09-25T07:20:07Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>More whingeing from the wealthy about pension taxes</news:title>
   <news:publication_date>2026-09-25T07:15:09Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 </url>
 <url>
  <loc>https://henrytapper.com/2026/09/25/elitist-games-is-this-what-we-pay-the-pension-minister-to-play/</loc>
  <lastmod>2026-09-25T06:33:59Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Elitist games - is this what we pay the pension minister to play?</news:title>
   <news:publication_date>2026-09-25T06:29:49Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
 </url>
 <url>
  <loc>https://henrytapper.com/2026/09/25/people-will-abandon-the-dream-freedom-offered-they-want-instead-deferred-pay-for-the-years-that-they-have-taken-a-pay-cut/</loc>
  <lastmod>2026-09-25T05:32:26Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Most people want and need a pension - the IFOA and BIT tell us</news:title>
   <news:publication_date>2026-09-25T05:32:26Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/25/to-state-the-bleeding-obvious-we-should-be-offering-consumers-a-better-retirement-income-forecast-than-we-do-today/</loc>
  <lastmod>2026-09-25T06:44:24Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Pension people- lets elevate our thinking to &amp;#039;consumer level&amp;#039;</news:title>
   <news:publication_date>2026-09-25T04:44:12Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/24/simple-and-an-excellent-pension-nests-self-employed-sign-up-option-is-under-promoted-and-under-used-it-needs-to-be-improved-for-self-employed-saving-but-this-could-be-done/</loc>
  <lastmod>2026-09-24T07:00:01Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Make pensions easier for the self-employed with accessible,  but not mandatory, saving (thanks SPP and Prospect))</news:title>
   <news:publication_date>2026-09-24T06:58:24Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/24/de-risking-a-dc-pot-with-lifestyle-has-no-place-as-default-for-those-still-saving/</loc>
  <lastmod>2026-09-24T06:07:27Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>De-risking a DC pot with &amp;quot;lifestyle&amp;quot; has no place as default for those still saving.</news:title>
   <news:publication_date>2026-09-24T05:49:55Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/24/as-my-partner-reminds-me-she-pays-more-into-the-lgps-through-her-council-tax-than-she-does-into-her-personal-pension-that-is-untenable-when-lgps-is-overfunded/</loc>
  <lastmod>2026-09-24T04:35:35Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>Our council tax may pay more into other people&amp;#039;s pensions than we do our own!</news:title>
   <news:publication_date>2026-09-24T04:25:52Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://henrytapper.com/2026/09/24/if-the-state-funds-care-for-people-with-assets-essentially-what-it-is-doing-is-funding-the-inheritance-of-their-beneficiaries-who-can-often-be-quite-wealthy-in-their-own-right-2/</loc>
  <lastmod>2026-09-24T03:51:49Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Pensions Mutual; Making your money work as hard as you do</news:name>
    <news:language>en</news:language>
   </news:publication>
   <news:title>How do we afford long term care? Tuesday&amp;#039;s pre-budget coffee morning explores!</news:title>
   <news:publication_date>2026-09-24T03:51:49Z</news:publication_date>
   <news:genres>Blog</news:genres>
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