This report takes a fresh look at the prospects for the future of retirement incomes for employees in the UK. Since the Pensions Commission reported around 20 years ago, much has changed in the economic and pensions policy environment. While the introduction of automatic enrolment has been in...

There have been widespread concerns about the patterns of retirement saving amongst self-employed workers, who now make up just over one in eight of the whole labour force. Most strikingly, the fraction of self-employed workers earning over £10,000 who are making contributions to a private...

The current system of private pension savings in the UK is based on employers choosing a workplace pension provider, to which contributions from the employee and employer are sent, and which invests the contributions on behalf of the employee. This means that when an individual leaves their...

This report examines ethnic differences in pension participation in the UK following the nationwide roll-out of automatic enrolment, the drivers of those gaps, and the consequences for wealth accumulation. It draws on an academic research paper (Cribb, O'Brien and Sturrock, 2025) published...

Low- and middle-income countries are aging rapidly but stagnation of growth in participation in pension programs, due to widespread informal employment, presents a major fiscal challenge. Some claim that improving the design of pension program rules can encourage more pension contributions,...