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DWP Digital Strategy

Posts about the Department for Work and Pensions digital strategy and plans for its digital services.

Looking to the future of DWP Digital

As we launch our ambitious plans for the future, CDIO Rich Corbridge outlines the key projects we will deliver to set us up for success.

A year of Shared Channels Experience: our path to truly user-centred services

Director of Shared Channels Experience, Cheryl Stevens, looks back on the first year for her team and their ambitions to improve user experiences, create a detailed view of the user and improving security.

Sharing our vision for DWP Digital

Our CDIO Simon McKinnon has shared our goals for the next year in this new blog post, as we look to build on the achievements of the last 12 months.

What Digital With Purpose means for DWP’s customers

Our Digital With Purpose agenda will shape the future direction of DWP Digital - here director Helen Roberts talks about what the campaign involves, and the impact it will have on our customers

A new digital function for DWP

DWP has announced today that our digital services provider, BPDTS, will move into the department next year, planned from 1 July 2021.

Collaborating to bridge the gap between policy and design

I’m Kate Bruckshaw and I’m part of the new Policy Exploration team in DWP’s Strategy Directorate.

DWP Digital: Delivering the government transformation vision

This year, we created DWP Digital by bringing together digital, data and technology expertise. Our Digital business is focused on designing and delivering integrated products and running them as 24x7 services. Everything we do is measured by the difference we’re …

Find Pension Contact Details is now Live

I was Delivery Manager on the Find Pension Contact Details service, which is now Live. That puts me in a DWP club with two members, with Carer's Allowance Digital Service holding membership since 2014. We have 10 services in beta, …

“fixin’ to get ready”

I’m Nic Harrison, the Director of Enabling Digital Delivery, part of DWP’s Business Transformation Group. I’ve been with the department for a year, working with Kevin Cunnington to put in place the organisation and plans needed to deliver a once in …

DWP Digital Academy: our 100th student graduates

The first DWP Digital Academy in Fulham opened for business on 24 February 2014. It was set up to help us increase our capacity and grow more of our own digital capability across DWP. This week we reached an important milestone as our 100th …

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About dwp digital.

We are Digital With Purpose. That’s digital with people, passion and progress at our heart.

We deliver services for the UK’s largest public service department – the Department for Work and Pensions (DWP).

Responsible for welfare, pensions and child maintenance policy, DWP transacts around £212 billion in payments each year, operates out of more than 800 locations and has over 90,000 employees.

We're hiring. Shape your career with DWP Digital.

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Recent posts.

• Celebrating success this awards season 24 July 2024
• Learning at Work Week 2024 16 May 2024
• Writing a great product strategy for great services 21 March 2024
• Inspiring inclusion at DWP Digital this International Women's Day 8 March 2024
• Celebrating National Apprenticeship Week 2024 14 February 2024

DWP Digital launches new three-year strategy

By Alex Stanley   |   9th May, 2022

In DWP Digital the mission is to improve user experiences for Department for Work and Pensions (DWP) customers and colleagues through technology and innovation. They’ve launched a new ‘Digital Future’ strategy, setting out the goals and ambitions for the next three years, which includes recruiting hundreds of digital specialists into the organisation. Simon McKinnon, CDIO at DWP Digital said: “Like many organisations, DWP Digital has experienced a challenging couple of years. In the early stages of the pandemic, we saw a ten-fold increase in claims for Universal Credit, which led to an accelerated journey to digitalise services. With DWP at the forefront of the country’s plan to ‘build back better’ ( https://www.gov.uk/government/publications/build-back-better-our-plan-for-growth #:~:text=%27Build%20Back%20Better%3A%20our%20plan,our%20vision%20for%20Global%20Britain.), the ‘Digital Future’ strategy will see us significantly transform the way we work and help achieve our digital ambitions.” DWP Digital are at the start of an exciting journey to change the way services are delivered. Traditionally, this has been about building back-office systems to support the way individual benefit are delivered. Simon added: “We want as many of our services delivered through digital means where it makes sense, and where data becomes the lifeblood of how the department operates. We want to build on the successes of the last few years which have seen us bring our IT in-house, introduce elements such as automation and self-service to our digital services, and accelerate the adoption of public cloud.” Key strategy highlights The strategy is at the heart of a cross-DWP mission to design and deliver services which are critical to tens of millions of people – services which will be more personal, more accurate and more efficient. It sets out five key organisational goals:  Provide reliable, secure, cost-effective services. Enable 24/7 delivery of high-performing, sustainable, accessible digital services for colleagues and customers. Design and deliver digital solutions. Collaborate across DWP to design and deliver modern digital services which deliver against departmental outcomes. Transform use of data and analytics.  Working in a common data language and adopting modern tools, make governed, accessible, and usable to unlock a range of analytics applications and insights. Adopt common approaches. Align customer and colleague experience, by utilising reusable components, interoperable data and shared technology platforms, driven by a clear strategic business need. Build our capability and culture. Continue our efforts to attract, develop and retain a highly skilled digital team.  To kick-start its journey, DWP Digital has built shared components as part of its application reference architecture to ensure that the basics are in place. Over the next three years, the organisation will look at how the value of these components can be released and really start making a difference for customers and colleagues. As well as this, DWP Digital are really investing in their people and is set to launch more structured learning and applied learning experiences and career paths. This will empower colleagues to take control and own their career progression, learning and development. Simon concludes: “The resilience of DWP Digital has certainly been tested over the last two years, but we’ve managed to navigate through the challenges of the pandemic and achieve some fantastic outcomes. We reacted amazingly well and rose to the challenges, adapting to hybrid ways of working. With such ambitious plans for the next three years, we can only go from strength to strength.”

DWP Digital

• IT for government and public sector

Dmitry Nikolaev - stock.adobe.co

DWP Digital sets out three-year plan to improve data sharing and cut legacy

In response to the pandemic, the government department aims to improve collaboration and develop a reference architecture.

• Cliff Saran, Managing Editor

Simon McKinnon, chief digital information officer of DWP Digital, the technology arm of the Department for Work and Pensions, has set out a three-year plan to reimagine digital services .

“We are at the start of an exciting journey to change the way we deliver services,” McKinnon wrote in a post on the DWP’s digital careers website.

While the department’s IT strategy has traditionally been focused on building back-office systems to support the delivery of individual benefits, McKinnon said: “We now want as many of our services delivered through digital means where it makes sense, and where data becomes the lifeblood of how the department operates.”

As Computer Weekly has previously reported, the department has worked on bringing its IT in-house, adopting public clouds and introducing elements such as automation and self-service into DWP’s digital services.

DWP Digital said the new Digital Future strategy is at the heart of a cross-DWP mission to design and deliver services that are critical to tens of millions of people. The overall goal is to make these services more personal, more accurate and more efficient.

The five pillars of the strategy include providing reliable, secure, cost-effective services by enabling what DWP Digital describes as “24/7 delivery of high-performing, sustainable, accessible digital services” for colleagues and customers.

McKinnon acknowledged that the department’s reliance on legacy technology presents significant risks around reliability, security and the limited availability of highly skilled people who can maintain such systems. “To reduce this risk, transformation planning will actively include the decommissioning of existing legacy systems,” he said.

By encouraging greater collaboration across the department, the DWP Digital strategy has set a goal to design and deliver modern digital services. One of the ways it plans to improve collaboration is by addressing data sharing and analytics by using a common data language and modern tools to provide governance and data access.

“To kick-start our journey, we have built shared components as part of our application reference architecture to ensure that the basics are in place,” said McKinnon. “Over the next three years, we’ll look at how the value of these components can be released, and really start making a difference for customers and colleagues.

“We want as many of our services delivered through digital means where it makes sense, and where data becomes the lifeblood of how the department operates. We want to build on the successes of the last few years, which have seen us bring our IT in-house, introduce elements such as automation and self-service to our digital services, and accelerate the adoption of public cloud.”

DWP Digital also plans to introduce what it described as “more structured learning and applied learning experiences and career paths”. McKinnon said this will empower colleagues to take control and own their career progression, learning and development.

Read more about DWP Digital

• Old software is among the main reasons behind the pension errors affecting 134,000 people, says a House of Commons committee report.
• The Department for Work and Pensions outlines the approach it is taking to developing user-focused digital services.

Read more on IT for government and public sector

Interview: Richard Corbridge, CDIO, DWP

DWP appoints former Boots IT chief Richard Corbridge as CDIO

Dwp looks to hire new cdio.

DWP Digital launches Birmingham hub

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BEIS small and medium enterprises (SME) action plan: 2022 to 2025

Published 30 january 2023.

The government is committed to increasing the diversity of its supply base, improving resilience, being more open to innovation and providing more opportunities for small businesses.

The BEIS SME Action Plan summarises the changes made in recent years in the procurement process, and sets out specific actions the department will undertake to promote increased spend with SME organisations in future. You can view the plan here.

FDA Lacked Risk, Supply Recovery Plan in Infant Formula Shortage

By Nyah Phengsitthy

The FDA fell short in its risk management plans and supply recovery when it responded to the 2022 infant formula shortage, according to a new report from national science and medicine advisers.

The National Academies of Sciences, Engineering, and Medicine in a report released Thursday found various weaknesses the Food and Drug Administration faced when it took action on the 2022 infant formula shortage.

Several consumer complaints in late 2021 and early 2022 alleged safety concerns at Abbott Laboratories ’ Sturgis, Mich., production facility, which prompted the FDA to conduct an inspection. Abbott voluntarily ceased production at the facility and ...

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Best IRA Accounts of July 2024: Ultimate Guide

Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews.

Unlike 401(k)s and other employer-sponsored retirement plans, IRAs — or individual retirement accounts — can be set up by individuals over 18 with taxable income. But you don't have to pick between the two, as you can have a 401(k) and an IRA to unlock even more tax advantages.

Roll over assets from an old 401(k) plan with some of the best rollover IRAs from top brokers like SoFi or Fidelity. Here is our full editorial list of the best IRAs to start: 

Best IRA Accounts in 2024

• Charles Schwab IRA: Best overall IRA
• Fidelity IRA: Best IRA for retirement saving
• Ellevest IRA: Best IRA for access to human advisors
• E*TRADE: Best IRA for passive investors
• Betterment Investing: Best IRA robo-advisor
• SoFi IRA: Best IRA for beginner and intermediate investors
• Vanguard IRA: Best IRA for experienced investors

Goldco: Best Gold IRA

Compare the best ira accounts.

The best IRA accounts, including the best Roth IRA accounts , are powerful investment vehicles to build long-lasting wealth. Whether a beginner or an experienced investor, you can benefit from the best individual retirement accounts.

Below, we've listed our top picks for the best IRA accounts as chosen by our Business Insider editors in 2024.

Charles Schwab: Best IRA Account Overall

Schwab's traditional IRAs are free to set up and don't include any account or trading fees. Traditional IRAs include $0 online equity trades, 24/7 customer support, retirement planning resources, and access to the following investments: stocks, bonds, ETFs, mutual funds , and CDs. 

The brokerage's traditional IRAs also feature access to investing and market insights from Schwab experts. And – if you're looking for a robo-advisor or professionally managed portfolios – you can take advantage of Schwab Intelligent Portfolios or Schwab Intelligent Portfolios Premium.

Each automated investing account is also compatible with Roth IRAs, SEP IRAs , SIMPLE IRAs, and inherited IRAs.

What to look out for:  Though you'll pay $0 for stock and ETF trades, certain transactions will cost you. For example, you'll likely pay commissions on transactions that require special handling, restricted stock transactions, foreign exchange trades, transaction-fee mutual funds, fixed-income investments, and futures.

Charles Schwab review

Fidelity IRA: Best IRA Account for Retirement Savings

Fidelity's traditional IRAs come with $0 account minimums and commission-free trades on stocks, ETFs, and options. The brokerage also offers several other retirement accounts, including Roth IRAs, rollover IRAs, small business retirement plans, and Roth IRAs for Kids.

Fidelity offers a wide range of retirement planning resources, including its learning center, which explains complex financial topics. You can access no-transaction-fee funds, commission-free stocks and ETFs, and zero-expense ratio index funds .

Fidelity also offers an automated option, Fidelity Go, that provides personalized advice for hands-off investors. There's no minimum for balances under $25,000. If your account exceeds $25,000, you'll be subject to an annual 0.35% management fee. On the bright side, you'll get unlimited access to one-on-one consultations from Fidelity advisors.

What to look out for: If you choose Fidelity Go, you'll pay $0 if you have an account balance below $25,000. You'll pay a 0.35% fee if you've got more than $25,000.

Fidelity Investments Review

Ellevest: Best IRA Account for Access to Human Advisors

You can set up any retirement or investing accounts at Ellevest without minimum balance requirements. The company offers two membership plans: Plus and Executive. Plus costs $5 per month and Executive includes a $9 monthly fee. Each account includes access to CFPs . 

The robo-advisor provides six goal-based investment accounts to meet various savings goals. Ellevest also offers account strategies such as automatic rebalancing and asset allocation. 

What to look out for: Ellevest welcomes all clients but specifically focuses on closing the gender pay gap for women and offering gender-specific strategies. 

Ellevest Investing Review

E*TRADE: Best IRA Account for Passive Investors

Like most advisors mentioned in our roundup, E*TRADE's traditional IRAs feature commission-free stock, ETF, and options trades. The brokerage also charges $0 account fees and offers a robo-advisor called Core Portfolios. 

A major distinction is that E*TRADE provides more than 4,000 no-load, no-transaction-fee mutual funds (the brokerage has more than 9,000 total mutual funds). You won't pay the brokerage's mutual funds sales charges or commissions. If you prefer passive investments , E*TRADE could be suitable for you.

The brokerage also offers automated investing through its Core Portfolios platform. You'll need at least $500 to set up this account.

What to look out for:  You'll pay more for options contracts if you don't make at least 30 trades per month. 

E*TRADE Investing Review

Betterment: Best IRA Robo-Advisor

Besides its annual fees, Betterment is a free choice for those looking for automated retirement account management. The robo-advisor offers two plans: Digital and Premium. You can set up the digital plan without an account minimum, but it'll cost you an annual 0.25% account fee and a minimum of $10 to start investing.

Betterment additionally offers features such as tax-loss harvesting, socially responsible investing, access to CFPs, automatic rebalancing, and more.

What to look out for: You must sign up for the Premium plan to get unlimited financial planner access. But you can still sign up for one-time advisor consultations. Costs for such consultations start at $299. 

Betterment Investing Review

SoFi: Best IRA Account for Automated Investing

SoFi is a great choice for traditional IRAs. In addition to other investing, loans, and savings options, the advisor provides Roth and SEP IRAs. The company also offers $0 commissions for stocks and ETFs, and you can set up automated investing with as little as $1. SoFi IRA offers several help centers, guides, and calculators if you're looking for financial resources and tools.

The company provides certified financial planners, and it even offers Stock Bits, or fractional shares, for account holders looking to buy smaller portions of companies. 

What to look out for: SoFi IRA has competitive product offerings, but the company has a limited selection of investments compared to other popular brokerages. 

SoFi Invest Review

Vanguard: Best IRA for Experienced Investors

Vanguard offers a suite of retirement accounts and financial planning services for beginners and advanced traders. Open a self-directed traditional, Roth, SEP, SIMPLE, or rollover IRA for a $0 minimum. However, all Vanguard target retirement funds have at least a $1,000 minimum. You can also invest in Vanguard ETFs and all-in-one retirement funds. 

Most Vanguard IRA retirement plans are available through Vanguard's robo-advisor and managed account option, but you'll have to meet higher minimum requirements and fees. Get a personalized portfolio of Vanguard ETFs with Vanguard Digital Advisor, or combine automated portfolio management with one-on-one financial advisor support with Vanguard Personal Advisor Services. 

Explore Vanguard's retirement planning services and tools like tax-loss harvesting, retirement income calculators, worksheets, and informational guides. 

What to look out for:  Vanguard Digital Advisors requires a $3,000 minimum and a 0.20% advisory fee. Vanguard Personal Advisor Services require a $50,000 account minimum and charge a 0.30% advisory fee for balances under $5 million. 

Vanguard review

Goldco is on the top of our list of the best gold IRAs and is a great option for investors to diversify their investment portfolios with commodity assets like precious metals. Investing in gold also helps you hedge against inflation.

You can also invest in a silver IRA with Goldco, as well as platinum and palladium bullion and coins. You can even request physical gold and have it shipped to your address. If you're looking to roll over assets from an old 401(k) plan, Goldco permits rollover IRAs. 

What to look out for:  Goldco requires a $25,000 minimum to open an account. You can't invest in other assets like stocks or bonds with Goldco. 

Goldco review

Best IRAs FAQs

IRA accounts are tax-advantaged retirement savings vehicles for people to contribute pre-tax or after-tax dollars toward their golden years. You can open a traditional or Roth IRA at any age, but you won't be able to withdraw penalty-free until you're at least 59 1/2. 

IRA accounts are worth it for most individuals with an annual income, especially people who don't have access to a workplace retirement plan like a 401(k) or pension plan. IRAs offer you great tax advantage and compound growth to boost retirement savings down the line. IRAs generally have lower fees compared to some other retirement plans.

The contribution limits for traditional IRAs can be low. Some employer-sponsored retirement plans can reduce or eliminate someone's IRA contributions. If you withdraw from your account before you're 59 1/2, you'll not only have to pay taxes on that amount, but you'll also have to pay a 10% penalty fee. You could also be charged a fee if you don't start withdrawing the required minimum distributions at age 73. 

IRAs offer lower fees and more flexibility than 401(k) plans. However, IRA contribution limits are much lower than 401(k)s. You also won't get access to the convenience of payroll deductions or an employer-sponsored match contribution. Whether an IRA or 401(k) is better depends on your preferences, access to employer retirement benefits, and goals. 

Why You Should Trust Us: Our Expert Panel on The Best IRA Accounts

We interviewed the following three investing and retirement experts to see what they had to say about traditional IRA accounts:

• Lazetta Rainey Braxton, MBA, CFP, co-founder and co-CEO at 2050 Wealth Partners
• Brian Fry, CFP, founder at Safe Landing Financial
• Charlotte Geletka, CFP, CRPC, managing partner at Silver Penny Financial Planning

Here's what they had to say about traditional IRA accounts. (Some text may be lightly edited for clarity.)

What are the advantages and disadvantages of opening a traditional IRA account?

Lazetta Rainey Braxton:

"Contributions to the traditional IRA are not considered a part of the taxable income for the year that that contribution was made to that traditional IRA. 

"As you allow that traditional IRA to grow, you're going to have both tax-deferred contributions and tax-deferred growth and earnings. So when it is time for you to retire and take out those funds, it will be subject to ordinary income tax rates, based on your income during retirement."

"A traditional IRA generally offers better flexibility, freedom, and transparency than a 401(k) . If you're under income phaseout limits, then there is a tax-deduction for IRA contributions.

"If you're above income phaseout limits, there are still planning considerations for IRA contributions, for example an advanced planning strategy such as a backdoor Roth IRA.

"A disadvantage is that there are no company match opportunities for a traditional IRA. Traditional IRAs also have hefty penalties for withdrawing funds before age of retirement."

Charlotte Geletka:

"A significant advantage of opening an IRA includes an above-the-line tax deduction if you are within the IRS income limitations for 2021 (ask your tax professional or financial advisor to double check based on your income). The IRS website also has good guidance on IRAs. In a traditional IRA, the money grows tax deferred. This is great for long-term growth. 

"However, you will pay taxes on the money when it comes out. Also keep in mind that an IRA is what I like to call a "pay now, play later" plan. What I mean by that is that once the money goes into an IRA you will not be able to take the money out until you reach the age of 59 and a half."

Who should consider opening a traditional IRA?

"[If] you want to keep your tax brackets low, a lot of people go traditional because the contributions — at the time you're earning it and making those contributions — are in fact reducing your taxable income."

"If uncovered by an employer retirement account, a traditional IRA can be a good fit regardless of income."

"A traditional IRA is a great option if you do not have a retirement plan through your employer or if you are self-employed. You must have earned income to contribute each year."

What makes a traditional IRA account good or not good?

"If you are age 50 or older, you are also eligible for the catch-up provision, which is also allowed for a [Roth] IRA as well as an employer-based plan. But the important fact to know about a traditional IRA versus an employer's plan is that traditional IRAs, in terms of its deductibility, aren't based on your adjusted gross income.

"Note that the catch-up provision allows you to contribute an additional $1,000 for IRAs if you're 50 or older. For employer-sponsored retirement plans, you can contribute an additional $7,500 if you're 50 or older.

"And since there is a cap on your income that relates to deductibility, it might make it less attractive as well because you might not just be eligible to make a deductible contribution."

"A traditional IRA is good in providing tax advantages. Unlike a brokerage account, investors are not taxed on capital gains. There can be a deduction for contributions. Investments grow tax-deferred until distributions are made.

There are several reasons a traditional IRA could be considered a bad account type. Investors are taxed on withdrawals, which are usually much larger than initial contributions. Tax rates can be potentially higher for investors during retirement."

"A traditional IRA is great for retirement savings, tax savings and investing. However, you are just pushing the tax liability down the road since you are required to pay income taxes on distributions. 

"The good news is that you are allowed to let the money grow tax-deferred until you begin to take distributions. You may begin at age 59.5 but you must begin by age 72."

Is there any other advice you'd offer someone who's considering opening a traditional IRA?

"Know of all your options related to investments that can help support you in retirement. Think about whether you want to pay taxes now or later. With the traditional IRA, you would be paying taxes later."

"Don't open a traditional IRA or rollover your 401(k) without considering all of your options. If you're unsure, make sure to put in the research or ask a financial professional that serves as a fiduciary to have confidence in how to best move forward."

"The investments inside an IRA are chosen by the account owner. This makes the options almost endless. Also keep in mind it is designed for you to save money to be used in retirement, so do not put money in an IRA that you might need in the short term. This is not a good place for your emergency fund."

Methodology: How We Reviewed The Best IRA Accounts

We reviewed and compared over a dozen IRA accounts using Business Insider methodology for reviewing investment platforms to determine the top brokerages and robo-advisors with strong retirement account options. Some factors we considered included minimum account balances, account fees, account types, investment selection, and retirement planning resources. We also cross-referenced our list with popular comparison sites like NerdWallet and Investopedia to ensure we didn't miss anything. 

We also looked into each account's customer service offerings, mobile app access, and human advisor offerings.

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Fact-Checking Trump’s Speech and More: Day 4 of the Republican National Convention

A team of New York Times reporters followed the developments and fact-checked the speakers, providing context and explanation.

• Share full article

Former President Donald J. Trump accepted his party’s nomination during the final night of the Republican National Convention on Thursday, delivering a freewheeling, factually challenged and often ad-libbed speech.

Mr. Trump began by describing in detail the assassination attempt that left him with a bandaged ear. Then, he essentially staged a campaign rally, repeating familiar boasts and delving into a cascade of false and misleading claims about his own record and the state of the border, the economy and the world.

Here’s a fact-check of his remarks.

“We’ve got Right to Try. They were trying to get that for 52 years.”

— Former President Donald J. Trump

This needs context.

The “right to try” law of 2018 allows terminally ill patients to seek access to experimental medicine that is not yet fully approved by the Food and Drug Administration, but a similar program has been in place since the 1970s.

Jeanna Smialek

An inflation crisis “is just simply crushing our people, like never before — they’ve never seen anything like it.”

This is false..

Inflation peaked at 9.1 percent in the summer of 2022, but that is considerably lower than its peak of nearly 15 percent in the early 1980s.

Republicans will sometimes point out that the inflation methodology has changed since then — meaning that we are measuring price increases differently — but even accounting for those tweaks, economists have said that inflation was lower in 2022 than it was four decades earlier. Inflation is not, based on the data, crushing people like never before.

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“Our planet is teetering on the edge of World War III, and this will be a war like no other.”

This lacks evidence..

While there is an active war between Russia and Ukraine, and between Hamas and Israel, and fighting in Sudan, Myanmar and other countries, there is no evidence that a third world war is imminent.

In terms of previous world wars, according to the Encyclopaedia Britannica, an estimated 8.5 million soldiers were killed in World War I and an estimated 35 million to 60 million people died during World War II.

The concept of World War III has traditionally referred to a potential war between the United States and Russia, which is not imminent. President Biden has often said he is actively trying to avoid such a conflict even as he arms Kyiv in its war with Moscow.

Brad Plumer

“We will drill, baby, drill, and by doing that we will lead to a large-scale decline in prices.”

More drilling doesn’t always cause gasoline prices to plunge. Case in point: The United States is actually producing significantly more crude oil today under the Biden administration than it did under the Trump administration, yet gasoline prices are still higher than they were four years ago.

That’s because gasoline costs are also influenced by broader market forces that can cause the global price of crude oil to rise or fall. For instance, a big reason prices increased in 2022 was Russia’s invasion of Ukraine, which disrupted the flow of crude across the globe. All else equal, an increase in U.S. oil drilling should put downward pressure on prices, but those other global factors also play a considerable role.

Angelo Fichera

“If you look at the arrow at the bottom, that’s the lowest level — the one on the bottom, heavy red arrow — that’s the lowest level of illegal immigrants ever to come into our country in recorded history right there, right there. And that was my last week in office.”

Mr. Trump presented an immigration graphic that he credited with saving his life during an assassination attempt at a rally in Pennsylvania days earlier.

Moments before a gunman opened fire at the rally, Mr. Trump turned to gesture at the chart, a move that he said prevented him from being shot in the head . The shooting left his ear bloodied, killed one spectator and seriously injured two others.

In his acceptance speech on Thursday, he referred to a thick red arrow on the chart, titled “Illegal Immigration Into the U.S.,” that points to a significant drop in migrant crossings at the southern border during his presidency.

But despite text on the chart and Mr. Trump’s description at the convention, the arrow is actually pointing to a dip in early 2020 — when migration slowed globally during the coronavirus pandemic and the restrictions that followed — not during his last week in office. And that low did not last.

In March 2020, there were about 30,000 encounters at the southern border recorded by Border Patrol, according to Customs and Border Protection statistics . That dropped in April 2020 by almost half, to about 16,000.

In the months that followed, however, the number of migrants encountered at the border then climbed back up. During Mr. Trump’s last month in office, there were about 75,000 encounters by Border Patrol.

And contrary to Mr. Trump’s claim, even the low in 2020 was not the lowest “in recorded history.” Earlier in Mr. Trump’s presidency, the number of apprehensions at the border had dipped to about 11,000 in April 2017 , before the flow increased again.

Also, since 1925, total annual apprehensions nationwide by Border Patrol have often been lower than they were under Mr. Trump’s presidency, noted Michelle Mittelstadt, a spokeswoman for the nonpartisan Migration Policy Institute.

There is no arguing that the situation at the southern border grew worse during the Biden administration: In December, there were around 250,000 encounters .

In an effort to reverse course, President Biden recently announced severe restrictions on asylum, and illegal crossings have since significantly dropped . Border Patrol reported about 83,500 encounters in June.

“We gave you the largest tax cuts.”

The $1.5 trillion tax cut, enacted in December 2017, ranks below at least half a dozen other tax cuts by several metrics. The 1981 Reagan tax cut was the largest as a percentage of the economy and by its reduction to federal revenue. The 2012 Obama tax cut amounted to the largest reduction in inflation-adjusted dollars: $321 billion a year.

“We built most of the wall.”

During Mr. Trump’s 2016 campaign, he promised to build a wall spanning at least 1,000 miles along the southern border and have Mexico pay for it. That did not happen. Overall, the Trump administration constructed 458 miles of border barriers — most of which upgraded or replaced existing structures. Officials put up new primary barriers where none previously existed along only 47 miles.

“I will end every single international crisis that the current administration has created — including the horrible war with Russia and Ukraine, which would have never happened if I was president, and the war caused by the attack on Israel, which never would have happened if I were president.”

There is no evidence that President Vladimir V. Putin of Russia would not have invaded Ukraine if Donald J. Trump had been president of the United States in February 2022, when Russian forces began a full-scale war on Ukraine.

In fact, Mr. Trump supported one of Mr. Putin’s greatest desires — weakening the North Atlantic Treaty Organization. Senior administration officials told The New York Times that several times over the course of 2018 Mr. Trump privately said he wanted to withdraw from NATO . And Mr. Trump was impeached for withholding Javelin missiles from Ukraine in 2019. Those missiles proved effective in blunting Russian armor advances into Ukraine in 2022.

“And then we had that horrible, horrible result that we’ll never let happen again. The election result. We’re never going to let that happen again. They used Covid to cheat.”

Mr. Trump has continued to falsely claim that the 2020 election was stolen from him. His assertions about widespread cheating are unsubstantiated. Since the election, the former president has used claims mischaracterizing the voting and counting process, cited baseless examples of fraud and peddled conspiracy theories.

“Just a few short years ago under my presidency, we had the most secure border and the best economy in the history of the world.”

This is exaggerated..

Apprehensions of unauthorized crossings along the southwest border in the 2017 fiscal year, which includes several months of the Obama administration, fell to the lowest point since the 1970s.

But they increased in subsequent years. In the 2019 fiscal year, apprehensions topped 800,000 and were the highest in a decade. And in the 2020 fiscal year, even as the coronavirus pandemic ground global movement to a halt, apprehensions were higher than in 2011, 2012 and 2015.

And when Mr. Trump left office, the coronavirus pandemic had decimated the economy with an unemployment rate of 6.4 percent in January 2021 and gross domestic product had not yet rebounded to pre-Covid levels. But even before all of that, annual average growth was lower under Mr. Trump than under Presidents Bill Clinton and Ronald Reagan.

“We had no inflation.”

The rate of inflation was indeed low under Mr. Trump, but it was not completely nonexistent.

Under Mr. Trump, the rate of inflation measured by the overall Consumer Price Index largely gravitated around 2 percent — with the rate slightly lower and higher some months — according to data from the Bureau of Labor Statistics . That dropped at the onset of the coronavirus pandemic, and inflation reached a low of 0.1 percent in May 2020 before trending upward.

“By the way, you know who’s taking the jobs? The jobs that are created? 107 percent of those jobs are taken by illegal aliens”

Official estimates of employment do not support Mr. Trump’s statement, which makes little sense. And estimates from various groups show that the population of unauthorized immigrants has grown in recent years, but not nearly enough to take all the jobs created during Mr. Biden’s presidency.

The economy has added more than 15 million jobs since January 2021. Two groups that advocate for lower levels of migration and stricter border security have estimated that there are 2.3 million to 2.5 million more unauthorized immigrants in 2023 than in 2020.

Overall, the Bureau of Labor Statistics estimated that 29.9 million foreign-born workers — both authorized and unauthorized — and 131.1 million native-born workers were employed in 2023. That is an increase of 5.1 million in employed foreign-born workers and 8.1 million native-born workers since 2020 .

“Our current administration, groceries are up 57 percent, gasoline is up 60 and 70 percent.”

Grocery prices are up substantially since Joseph R. Biden Jr. took office in early 2021, but not by 57 percent: The Consumer Price Index’s food-at-home index is up about 21 percent . Gas prices are up about 35 percent , depending upon the measure used.

Lisa Friedman

“Under the Trump administration, just three and a half years ago, we were energy independent. But soon we will actually be better than that. We will be energy dominant and supply not only ourselves, but we supply the rest of the world, with numbers that nobody has ever seen.”

This is misleading..

Under the Trump administration, the United States for the first time began to export more oil than it imported. Energy experts say that is not because of Trump’s policies, but because of the fracking boom that began during the George W. Bush administration and soared under President Barack Obama. It’s still happening.

In fact, under President Biden, the United States has become the biggest oil producer in the world and is producing more natural gas than ever before. The phrases “energy independence” and “energy dominance” also fail to take into account wind, solar and other renewable energy, which is growing at a rapid pace.

Alan Rappeport

“We will reduce our debt, $36 trillion, and we will reduce your taxes still further.”

Mr. Trump suggested that the national debt would be paid down by jump-starting economic growth. He made this promise during his first term, promising that $2 trillion of tax cuts would pay for themselves, and ended up approving more than $8 trillion of borrowing. The Republican platform this year makes no mention of debt or deficits but does call for cutting wasteful spending.

Also, the national debt currently stands at $34.9 trillion, not $36 trillion.

“They want to raise your taxes four times.”

Many elements of the 2017 tax cut Mr. Trump signed into law will expire in 2025, and Mr. Biden has proposed some tax increases on high-income earners and corporations. But this does not amount to a quadrupling of taxes.

The 2017 tax cuts are expected to reduce the average tax rate by 1.4 percent in 2025, according to the Urban-Brookings Tax Policy Center, a left-leaning Washington think tank. Most in the top 5 percent of income would see the greatest change, by 2.4 percent. Mr. Biden has also consistently said he does not support raising taxes on people making under $400,000 a year and, in his latest budget, proposed extending tax cuts for those making under that threshold.

Mr. Biden’s proposals would increase the average tax rate by about 1.9 percent, according to a Tax Policy Center analysis . The top 0.1 percent would see the biggest increase of about 13.9 percent, while the low income filers would see a reduction in taxes. That is no nowhere near the 300 percent increase Mr. Trump warned of.

“I will end the electric vehicle mandate on Day 1, thereby saving the U.S. auto industry from complete obliteration, which is happening right now, and saving U.S. customers thousands and thousands per car.”

There is no electric vehicle mandate. The Biden administration has imposed rules requiring carmakers to meet new average emissions limits across their entire product line. It is up to auto manufacturers how to comply. The Environmental Protection Agency has estimated that the rule would mean that by 2032, about 56 percent of new passenger vehicles sold would be electric and another 16 percent would be hybrids. Autoworkers do fear job losses because electric vehicles could require less than half the number of workers to assemble than cars with internal combustion engines do.

There is also no evidence that the rule or other policies aimed at encouraging electric vehicles are leading the automobile industry toward “obliteration.” Many automakers have, in fact, embraced electric vehicle production. General Motors, for example, has been talking about preparing for an “all-electric future” since 2017. The Biden administration has argued that its policies are aimed at moving electric vehicle jobs from China to the United States.

“We’re going to bring back car manufacturing.”

The American auto industry lost jobs under the Trump administration, according to the Bureau of Labor Statistics. General Motors, Ford and Fiat Chrysler all closed factories during Mr. Trump’s presidency.

“Probably the best trade deal was the deal I made with China, where they buy $50 billion worth of our product.”

The trade agreement that Mr. Trump signed with China in 2020 was quickly derailed by the coronavirus pandemic, and China never fulfilled its obligations to purchase American goods. And Mr. Trump gave an incorrect total for how much American product China was supposed to buy. A 2022 analysis by the Peterson Institute for International Economics found that China had bought none of the extra $200 billion of U.S. exports in the trade pact.

“Democrats are going to destroy Social Security and Medicare.”

President Biden has pledged not to make any cuts to America’s social safety net programs. Mr. Trump suggested this year that he was open to scaling back the programs when he said there was “a lot you can do in terms of entitlements in terms of cutting.” He later walked back those comments and pledged to protect the programs. But if changes to the programs are not made, the programs’ benefits will automatically be reduced eventually. Government reports released earlier this year projected that the Social Security and disability insurance programs, if combined, would not have enough money to pay all of their obligations in 2035. Medicare will be unable to pay all its hospital bills starting in 2036.

Hamed Aleaziz

The Biden administration “demolished Title 42.”

The Biden administration kept in place the Trump-era policy, known as Title 42, which allowed border agents to quickly turn back migrants and cut off access to asylum protections for more than a year.

The Biden administration did not move to get rid of Title 42 until spring 2022. The move was later blocked by a federal judge, which forced the administration to keep the policy in place.

During that time, the Biden administration expanded the use of the policy and began expelling Venezuelans to Mexico. It was later rolled back in 2023 by the Biden administration.

“In Venezuela, crime is down 72 percent.”

Mr. Trump claimed that crime had fallen drastically in Venezuela because the country had sent “their murderers” and prisoners to the United States. Annual reports from the Venezuelan Violence Observatory, a research organization based in Caracas, shows a 25 percent decline in the country’s homicide rate from 2022 to 2023 , and a 41 percent decline since 2020 . In comparison, the homicide rate declined even more precipitously while Mr. Trump was president, by almost 50 percent from 2016 .

The Venezuelan Prison Observatory told Univision in 2022, when Mr. Trump first made the claim, that the prisons in the country had not been emptied and rather were at 170 percent capacity. According to the group’s latest annual report, Venezuela’s prison population stood at 33,558 in 2022, about level with its 2021 population of 33,710. Immigration experts have said they could not corroborate Mr. Trump’s claims that other countries were “dumping” their criminal and prison populations into the United States.

“I was the first president in modern times to start no new wars.”

Depending on the definition of “modern times,” President Jimmy Carter started no new wars during his time in office between 1977 and 1981.

“The whole world was at peace. And now the whole world is blowing up around us. Under President Bush, Russia invaded Georgia. Under President Obama, Russia took Crimea. Under the current administration, Russia is after all of Ukraine. Under President Trump, Russia took nothing.”

Under Mr. Trump’s presidency, there was not global peace. While Mr. Trump was in the Oval Office, there was an active war in eastern Ukraine between the Russian and Ukrainian armies, he authorized airstrikes and ground combat operations against fighters of the Islamic State in Iraq and Syria, and he ordered the assassination of an Iranian military leader in Iraq.

“We defeated 100 percent of ISIS in Syria, something that was going to take five years — ‘It’ll take five years, sir’ — and I did it in two months.”

The American-led coalition campaign against the Islamic State began in 2014 . The research firm IHS Markit estimated that the Islamic State lost about a third of its territory from January 2015 to January 2017. Mr. Trump has largely stuck with, and taken advantage of, a strategy that Mr. Obama began , and the Islamic State lost its final territories in March 2019 , two years after Mr. Trump took office, not two months.

“I stopped the missile launches from North Korea.”

North Korea continued to test missiles during Mr. Trump’s time in the White House, a fact that the former president continually dismissed at the time .

“Our opponents inherited a planet at peace and turned it into a planet at war.”

While Russia had not invaded Ukraine and the war between Israel and Hamas had not broken out, it is a stretch to claim that the world was entirely peaceful under the Trump administration.

Average peacefulness declined in 2018 and 2020 , according to the Global Peace Index, an annual measure of violence around the world compiled by the Institute for Economics & Peace. During the Trump administration, the United States was also engaged in military conflicts in Iraq, Syria and Afghanistan and more than 60 American soldiers died in hostile action . When Mr. Trump left office, there were 2,500 troops remaining in Afghanistan.

“We also left $85 billion worth of military equipment” in Afghanistan.

Mr. Trump was once again referring to the total amount that the United States spent on security in Afghanistan over the course of 20 years — not the value of equipment left behind in the 2021 withdrawal.

The United States provided $88.6 billion for security in Afghanistan from October 2001 to July 2021, and disbursed about $75 billion, according to Pentagon figures .

That figure includes the amount spent on training, antidrug trafficking efforts and infrastructure, as well as $18 billion for equipment. CNN previously reported that about $7 billion worth of military equipment that the United States transferred to the Afghan government was left behind during the withdrawal.

“We will replenish our military and build an Iron Dome missile defense system to ensure that no enemy can strike our homeland. And this great Iron Dome will be built entirely in the U.S.A. and Wisconsin.”

The U.S. military’s budget continues to grow year by year, and the Iron Dome missile defense system is effective only against relatively short-range rockets and missiles. Installing an Iron Dome across the country would in no way ensure that an enemy could not strike the United States.

“They spent $9 billion on eight chargers.”

— Former President Donald J. Trump.

This is false .

This is an inflated claim of another false statement Mr. Trump has made on the campaign trail about electric vehicle charging stations. (He recently said that the Biden administration had “opened seven chargers for $8 billion.”)

The Bipartisan Infrastructure Law, which President Biden signed in 2021, allocated $7.5 billion for electric vehicle charging stations, with the goal of installing 500,000 across the country.

So far, only seven chargers have been installed — not a great pace. But the suggestion that the entire amount was used on seven chargers is not accurate. The Biden administration has argued that the pace is the result of wanting to get a complex new national program done right.

“He decided to leave behind the comforts of an unbelievable business empire. To leave behind everything he had ever built. To answer the call to serve our nation. Unlike his predecessor, it was not a decision born out of necessity. Unlike the current president, it was not a decision that would enrich his family.”

— Eric Trump, a son of Donald J. Trump

Former President Donald J. Trump did not divest from his businesses when he assumed the presidency, and his critics argue that his companies did benefit from his being in public office. Mr. Trump’s businesses received nearly $8 million from 20 foreign governments during his time in office, according to documents released by House Democrats this year. Much of that was from China. The nonprofit OpenSecrets has also tracked millions of dollars flowing to Trump properties from political entities and groups in recent years, suggesting that those seeking favor with Mr. Trump may do so through his properties.

“He slashed regulations.”

This needs context ..

As president, Donald J. Trump indeed slashed regulations, rolling back more than 100 environmental protections alone. The bulk of those were aimed at keeping the air and water clean, and cutting planet-warming greenhouse gas emissions from automobiles and power plants.

However, the Trump administration’s attempt to deregulate was also often thwarted by the courts. All told, the Trump administration lost 57 percent of cases challenging its environmental policies, a much higher rate of loss than previous administrations, according to a database maintained by New York University’s Institute for Policy Integrity .

“The U.S. dollar has been diminished.”

The value of the U.S. dollar is stronger than it has been in decades . This year, the dollar index, which measures the strength of the currency against the currencies of six major trading partners, has been hovering at levels last seen in the early 2000s.

Eric Trump’s suggestion that the dollar has been diminished is actually at odds with his father’s recent suggestion that the dollar is too strong, making American exports too expensive abroad.

Former President Donald J. Trump and Senator J.D. Vance, his running mate, have both argued that a weaker dollar would be better for the U.S. economy and have suggested that steps should be taken to depreciate the currency.

“In 2019, I was with him at the United Nations when the first president of history of this country stood there to advocate for religious liberty worldwide.”

— Franklin Graham, the evangelical leader

President Donald J. Trump hosted a United Nations event on religious freedom in 2019 in New York. At the time, he characterized it as the first time a U.S. president had hosted such a meeting. But aside from specific meetings, Mr. Trump’s appearance was certainly not the first time that an American president had championed religious freedom before the United Nations. President Barack Obama did so in a 2012 address to the General Assembly . President George W. Bush pressed the importance of religious liberty in a 2008 interfaith event.

“We’ve lost more Americans from drugs in the past four years than we lost in World War II. Yeah. Our bloodiest war. More than we lost in World War II. Does anybody care? It is pathetic. It is pathetic. And do you hear a single word from Washington about doing anything about it?”

— Tucker Carlson, Trump ally and former Fox News host

Mr. Carlson can certainly argue that lawmakers have not done enough to address the opioid crisis in the United States, but his suggestion that they have done nothing is wrong. The Congressional Research Service listed several major legislative efforts in 2016, 2018, 2019 and 2021.

These laws, according to the research service, “addressed overprescribing and misuse of opioids, expanded substance use disorder prevention and treatment capacities, bolstered drug diversion capabilities, and enhanced international drug interdiction, counternarcotics cooperation and sanctions efforts.”

Annual funding for border security and the Drug Enforcement Administration has tried to directly address drug trafficking. The bipartisan border bill that failed this past spring would have also included increased funding for enforcement efforts and new technology to detect drug smuggling. Former President Donald J. Trump lobbied against its passage.

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