SPP Paper – Saving Retirement: Who is at Risk and Why?

This SPP paper identifies what the Pensions Commission, recently revived to consider the question of pensions adequacy, should consider and why.

This includes defining “adequate”; identifying the under pensioned; better understanding the trade-off between adequate living and adequate saving; and improving public trust in and awareness of state provision. The paper also explores how disenfranchised groups could be better supported and calls for a long-term plan for increasing auto-enrolment contribution rates.