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Latest news

20/03/2024 - PENSION INCREASES 2024 - The increase to Final Salary, Hybrid and Pre 2019 Money Purchase pensions in payment from April 2024 is 4.5%. The statutory increase to the Post 88 GMP this year will be 3%. The Increases to post 2019 Money Purchase pensions in payment from April 2024 are 2.5% for post 2005 pension and 3.4% for pre 2005 and AVC pensions. The increase confirmation letters are planned to be posted by 15th April but we will update the web site if this is likely to change. If you have any queries on pension increases there is a Questions and Answers document available on the website here.

19/12/2023 - Pensioners pay for December will be paid on the 22nd December.

20/04/2023 - One-off discretionary uplift - The Trustees are pleased to say that final salary deferred members will receive a one-off discretionary increase of 1.3%. Members eligible for the uplift will receive a letter from the administrators in due course. Pensioners will also receive the same increase on eligible pension and will have been informed in their pension increase letter.


This page contains some of the key documents relating to the Scheme.

Complaints Procedure

The Trustee of your pension scheme is responsible by law for setting up a formal procedure to sort out any complaints involving the Pearl Group Staff Pension Scheme.

We hope that in most cases any problems can be resolved without the need to use this official procedure. But if a dispute arises that cannot be resolved informally please refer to the following procedure

Pensions News

The magazine is a way of keeping the pensioners in touch with each other in a way that they are able to share any interesting news regarding events, hobbies and outings which they are, or may be, involved in. It also gives us an opportunity to update the pensioners on any changes that occur to the Scheme or Pearl Group itself. The majority of the articles are supplied by the Secretary/members of the pensioner associations listed on the back page.

Past editions of the Pensions News magazine can be found below:

  • Pension News Dec 23.pdf
  • Pension News June 23.pdf
  • Pension News Dec 22.pdf
  • Pension News June 22 .pdf
  • Pension News Dec 2021.pdf
  • Pension News June 21.pdf
  • Pension News Dec 20.pdf
  • Pension News June 20.pdf
  • Pension News Dec 19.pdf
  • Pension News June 19.pdf
  • Pension News Dec 18.pdf
  • Pension News June 18.pdf
  • Pension News Dec 17.pdf
  • Pension News June 17.pdf
  • Pension News Dec 16.pdf
  • Pension News June 16.pdf
  • Pension News Dec 15.pdf
  • Pension News June 15.pdf
  • Pension News Dec 14.pdf
  • Pension News June 14.pdf
  • Pension News Dec 13.pdf
  • Pension News June 13.pdf
  • Pension News Dec 12.pdf
  • Pension News June 12.pdf
  • Pension News Dec 11.pdf
  • Pension News June 11.pdf
  • Pension News Dec 10.pdf
  • Pension News June 10.pdf
  • Pension News Dec 09.pdf
  • Pension News June 09.pdf
  • Pension News Dec 08.pdf
  • Pension News June 08.pdf
  • Pension News Dec 07.pdf
  • Pension News June 07.pdf
  • Pension News Dec 06.pdf
  • Pension News June 06.pdf
  • Pension News Dec 05.pdf
  • Pension News June 05.pdf
  • Short Reports

    Each year the Trustees of the Scheme produce a short report that contains a summary of the Annual Report & Accounts for the Scheme and details of any current Scheme issues. From 2006 this document contains the Summary Funding Statement that is required to be issued to members.

    The short reports can be found below:

  • Short Report 2022 - Your Pension Matters.pdf
  • Short Report 2021 - Your Pension Matters.pdf
  • Short Report 2020 - Your Pension Matters.pdf
  • Short Report 2019 - Your Pension Matters.pdf
  • Short Report 2018 - Your Pension Matters.pdf
  • Short Report 2017 - Your Pension Matters.pdf
  • Short Report 2016 - Your Pension Matters.pdf
  • Short Report 2015 - Your Pension Matters.pdf
  • Short Report 2014 - Your Pension Matters.pdf
  • Short Report 2013.pdf
  • Short Report 2012.pdf
  • Short Report 2011.pdf
  • Short Report 2010.pdf
  • Short Report 2009.pdf
  • Short Report 2008.pdf
  • Short Report 2007.pdf
  • Short Report 2006.pdf
  • Short Report 2005.pdf
  • Short Report 2004.pdf
  • Short Report 2003.pdf
  • Actuarial Valuation Reports

    Every three years the Scheme Actuary carries out a valuation to determine its ability to pay members benefits and to advise on the appropriate level of future company contributions.

    The summary of the report can be found below:

  • Actuarial Valuation Report 2021.pdf
  • Actuarial Valuation Report 2018.pdf
  • Actuarial Valuation Report 2015.pdf
  • Actuarial Valuation Report 2012.pdf
  • Actuarial Valuation Report 2009.pdf
  • Summary Funding Statement 2007.pdf
  • Actuarial Valuation Report 2006.pdf
  • Pearl Scheme Benefits.pdf
  • Q & A's for Actuarial Valuation Report 2006.pdf
  • Actuarial Valuation Report 2003.pdf