MoneyShe

19/10/2026

If menopause symptoms pushed you to stop work in your 50s, your pension could end up £126,000 smaller by retirement.

That's the finding behind this week's report in the i paper, and it's a cost most women never see coming. Missed contributions don't show up on a payslip. They show up decades later.

The good news is that it’s not too late to start saving and build a financial cushion to soften any unplanned occurrence. Our free Learn More hub covers pensions, ISAs and investing in plain English, so you can plan around life rather than be caught out by it.

08/10/2026

"The state pension is the floor, not the roof."

Our founder Miller spoke to Independent about the triple lock changes and what they mean for your retirement.

The headline figure: women's average DC pension pot is £45,000, compared with £175,000 for men. More than a third of women (37%) live on under £15,000 a year in retirement.
Four steps Gina recommends:

1. Check your state pension forecast on GOV.UK.
2. Fill gaps in your National Insurance record with credits or voluntary contributions.
3. Review your workplace pension, especially if your employer matches.
4. Work backwards from the retirement you want to the amount you need to save.

The walls and the roof are yours to build. Read the full article via the link in the comments.

07/10/2026

Most financial plans assume a life most women don't live, one with no career breaks, no caring and no part-time years.

If your plan keeps falling apart, it isn't you. It's the template.

Today, start with one step: find your old pensions, ask what your investments cost, and put a review date in the diary.

Smart women invest.

Information, not advice. Capital at risk.

06/10/2026

“The state pension is the floor of your retirement. It was never meant to be the roof.” – Gina Miller.

Step one of our five-step plan takes just a few minutes: check your state pension forecast at gov.uk/check-state-pension. It shows your qualifying years and any gaps, which are often left by time spent raising children or caring for family.

Have you checked yours? Let us know in the comments. And if you’d like our full explainer, it’s here: https://moneyshe.com/triple-lock-state-pension-changes/

The triple lock is being reformed from 2030. What it means, what it saves, and why your state pension is the floor of your retirement, not the roof.

06/10/2026

The triple lock is changing. Here’s what it actually means for you. 👇

From 2030, the state pension is due to keep rising by at least inflation or 2.5% a year, but it will no longer ratchet permanently ahead of wages.

We like to think of retirement as a house. The state pension is the floor: solid and essential, but at £241.30 a week it’s not a home. Your workplace pension builds the walls. Your own savings are the roof.

Our new blog article explains who really pays your pension, what the reform will (and won’t) save, and five simple steps you can take this week.

Read it here:

The triple lock is being reformed from 2030. What it means, what it saves, and why your state pension is the floor of your retirement, not the roof.

01/10/2026

The UK is the lowest-saving and investing nation in the G7.

That might sound like a headline for economists, but it's about us: our parents, our friends, and ourselves in 20 or 30 years' time. As our Founder, Gina Miller, put it on the IC Women & Wealth series, it's tragic to think millions of people could end up living in pension poverty. It's also why we must act now, not later.

The State Pension gives you a floor. What sits on top of it is up to you. Topping up a workplace pension or opening a SIPP means your money gets tax relief and time to grow.

Starting early is important, but starting at all is what counts.
What's one step you could take this month? Tell us in the comments. We read every one.

🎧 Hear the full episode: https://www.youtube.com/watch?v=U5AVW7yw41w

30/09/2026

Two things can be true at the same time. Most of us are counting on the State Pension. And the State Pension was never designed to be enough.

Think of it as the floor of your retirement. It's solid, and it matters, but nobody wants to live on floorboards. A pension of your own, whether that's a workplace scheme or a SIPP you control, is what builds the walls and the roof around you.

For women, that matters even more. In a recent conversation with the IC Women & Wealth series, our Founder Gina Miller explained why the gender wealth gap isn't one problem but many, compounding. Women are paid less. We take time out to care for children and parents. Our pensions shrink as a result. Over a 40-year working life, that gap doesn't just persist. It grows.

And it starts early. Between 18 and 35, 41% of young men are investing, compared with just 20% of young women.

If you recognise yourself in those numbers, please don't feel defeated. It's not you. It's a system built around a full-time, uninterrupted career that most women never get.

The good news is that you can build around it, one step at a time.

🎧 Listen to the full conversation here: https://www.youtube.com/watch?v=U5AVW7yw41w

Smart women invest.

28/09/2026

Everyone seems to be debating the state pension right now: who gets it, when, and how much. Whatever the outcome, the state pension is a safety net. It was never meant to be a plan.

The difference between a retirement where you live comfortably and one where you're counting the pennies usually comes down to one thing: when you start. Every year you invest your money is a year it has to grow.

Ladies, if you've been thinking "I'll sort my pension out next week, next month, next year" - please don't feel bad about it. You're not behind because you've failed. The system was built around an uninterrupted, full-time career, and most women's lives don't look like that. What matters is what you do next.

MoneyShe makes starting simple, with one clear, all-in fee, plain English and no jargon.

Find out how at moneyshe.com 💜

Smart women invest.

*Capital at risk. Investments can fall as well as rise. MoneyShe is a trading name of SCM Private LLP, authorised and regulated by the Financial Conduct Authority (no. 497525)*

25/09/2026

It’s UK Savings Week - and here’s what they’re not telling women 💜

Women are careful, disciplined savers. Yet women still retire with around a 1/3 less than men. By their late 50s, the median gap is roughly £81,000 vs £156,000.

Save your whole life, end up with half. It’s not fair, and It’s not you. It’s the system - built for a full-time, unbroken career that real women’s lives often aren’t.

The plan to close your own gap is simpler than you’d think: Find every old pension · Claim your full employer match · Keep paying in through career breaks (a partner can too) · Protect your State Pension with NI credits · Make sure it’s invested, not sitting in cash · Know exactly what you’re paying.

Full guide - https://moneyshe.com/gender-pension-gap-uk-women/

Smart women invest.

*Capital at risk.*

21/09/2026

Off to university this week? Here's something that should have been looked at but wasn't.
57% of graduates in the UK are women - yet no specific gender impact assessment was done on the design or changes to student loans.

Our founder Gina Miller has been feeding into the government's inquiry. Her argument: women typically earn less, are more likely to take career breaks, and carry that growing debt for longer. Join the dots, and you arrive at the wealth and pension gap decades later.

As she puts it, we keep trying to fix the small things at the end of the chain. She wants to go back to the beginning.

Hear the full conversation with the Investors' Chronicle 👉 https://www.investorschronicle.co.uk/content/5a90a130-e644-474c-969c-c8fa69eb9287