Blogs

  • It’s time to bring in the rules which will get meaningful pension information online for everyone

    21/08/2017

    In their book “The 100-Year Life – Living and Working in an Age of Longevity”, Lynda Gratton and Andrew Scott describe “the gift of extra time”: “if you are now 20, you have a 50% chance of living to…

  • Pressing engagement: what behavioural interventions work in long-term savings?

    21/07/2017

    Pensions policy veterans and newcomers alike will be all too familiar with two big questions posed at hundreds of events over many years: how do we get people to save more, and how do we get people to make informed retirement decisions?

  • Sacred cows and golden geese: five reflections from the ABI Long Term Savings Conference

    11/07/2017

    The conference provided DWP with the chance to unveil their new boss in his first outing as Secretary of State for Work & Pensions - and an opportunity for him to set out his stall in front of the industry. In what would have been music to the ears of many in the room, Mr Gauke noted need for longer term thinking and “a well thought-out approach” to policy making, “built on a solid evidence base”.

  • Pension flexibility can also add complexity

    07/06/2017

    The flexible retirement rules introduced from April 2015 are proving to be very popular. However, while flexibility is beneficial, it adds complexity to already difficult decisions about retirement that many people may not have the knowledge, skills or motivation to tackle on their own.

  • Who is missing out on saving?

    30/05/2017

    Automatic enrolment (AE) has successfully brought millions of workers into long-term saving. Opt-out rates have been lower than expected and we have found that employers and the Industry have adapted well to the change. However, the retirement gap remains with 44% of people in the UK not saving adequately for retirement and nearly a fifth saving nothing at all.

  • How is the insurance and long term savings industry meeting the needs of an ageing population?

    22/02/2016

    Yvonne Braun, Director of Policy, Long-term Savings and Protection The ageing society is not just an issue for “older people” – it affects all age cohorts, in different ways. Long-term savings…

  • Pensions Dashboard: the next frontier in Fintech

    21/01/2016

    Yvonne Braun, Director, Long Term Savings Policy Anyone looking back in a decade or more will view this decade as the turning point where technology, powered by low-cost computing, began to reshape…