In our endeavour to stay connected with you, we have published the fifteenth issue of our quarterly newsletter: The Retirement Journey. In this issue, we focus on providing you with a comprehensive understanding of the performance of the Schemes for the year ended 31st December 2023 as well as the economic review and outlook giving reassurance to members their financial future is secure. Additionally, we offer invaluable insights on how to measure the financial worth of value driven investments.  We also inform you about the recent amendments to the retirement benefits regulations on valuation methodologies of government bonds from previous mark to market to proposed hold to maturity. Delve into an article about navigating health in retirement giving insights from a post retirement medical fund survey conducted. Furthermore, we talk about emerging technologies and how artificial intelligence can be utilized in the pension industry to add value.