Tom McPhail

Pensions expert, occupational scheme trustee, financial columnist

[Tom McPhail @PensionsMonkey]

@langcatsteve Hey Steve 👋🏻
Do you remember when James Acaster was funny? Don’t know what happened to him 🤷‍♂️

[Tom McPhail @PensionsMonkey]

So THAT’s what they mean by Transpennine

[Tom McPhail @PensionsMonkey]

@JonoSalzwedel Yep

[Tom McPhail @PensionsMonkey]

@jrlovepanda @Wolandsblackcat And yet, somehow, the hereditary peers have been one of the more effective components of our system of governance

[Tom McPhail @PensionsMonkey]

So Labour’s most successful Prime Minister is now basically a Tory and the Left is having a collective meltdown about it

[Tom McPhail @PensionsMonkey]

@dougan_dav24341 There have to be some consolations for the loss of youth

[Tom McPhail @PensionsMonkey]

@SIRJOHNREITH Sshh, don’t mention the Overton window, @TorstenBell will try and put a tax on it

[Tom McPhail @PensionsMonkey]

@byearsley That’s why he was successful

[Tom McPhail @PensionsMonkey]

@LoftusSteve True, apart from the constitutional vandalism, but also you’re setting a low bar there, the last Tory government had less ideological coherence than a class of primary school kids

[Tom McPhail @PensionsMonkey]

If you walk out for a professional tennis match wearing a ridiculous ostentatious dress, you should be made to play your match wearing it

Naomi Osaka’s outfits cause a stir: ‘I came for tennis not a fashion show’

https://t.co/zC4QxrJSaQ

[Tom McPhail @PensionsMonkey]

@Wolandsblackcat True but also, I agree with most of what he wrote this week.

[Tom McPhail @PensionsMonkey]

@CarolineLucas Give it up Caroline, the grift doesn’t work anymore

[Tom McPhail @PensionsMonkey]

Streisand effect in action…👇

[Carol Vorderman @carolvorders]

@CrewkerneGaz Take this down …. It’s not satire it’s AI slop and you’re using my image without permission . Pls let me know once this has been removed

[Tom McPhail @PensionsMonkey]

Judging by the running shorts, @AndyBurnhamGM positively embraces scrutiny

[Andy Burnham @AndyBurnhamGM]

@TiceRichard I’m fine with scrutiny. It seems you lads are struggling with the same.

[Tom McPhail @PensionsMonkey]

@theobertram Yes but also no, based on current welfare rules and minimum auto-enrolment contribution rates, millions of lower earners are sacrificing current consumption for private savings which will simply replace means-tested welfare in retirement 👀

[Tom McPhail @PensionsMonkey]

That's because they're all already here now

[Sophy Ridge @SophyRidgeSky]

Big unfolding story on immigration confirmed by figures from ONS today:

Net migration nearly HALVED in the year to December 2025, falling to 171,000

[Tom McPhail @PensionsMonkey]

It didn’t take Nostradamus to see this Labour government would be a disaster…however bad it is now, if Ed Miliband gets to be Chancellor, it’ll get a LOT worse. If Burnham is to team up with him then I hope Burnham loses the by-election

[Tom McPhail @PensionsMonkey]

Also, War is peace, Freedom is slavery, Ignorance is strength

[Rachel Reeves @RachelReevesMP]

Growth higher than forecast, borrowing down, and now inflation falling further than expected.

This Labour government has the right economic plan.

[Tom McPhail @PensionsMonkey]

@MarkDampier It’s not even been 2 years yet since the election. Quite impressive how quickly they’ve managed to foul it up

[Tom McPhail @PensionsMonkey]

How does this make sense?

[Kemi Badenoch @KemiBadenoch]

After 18 months of “standing up to Putin” the Labour govt quietly issued a licence allowing imports of Russian oil refined in third countries.

Yesterday Labour MPs voted AGAINST UK oil and gas licences.

We are now importing from Russia instead of drilling in the North Sea.

Insane.