Abstract
Modernising the welfare state, notably the pensions environment, is a primary aim of the UK government. Policymakers and legislators well appreciate the need to encourage more people to make provision for their own retirement. While this objective represents a major opportunity for the pensions industry, it is highly problematic - especially given that consumer confidence and interest in pensions is at all time low.
This report looks at the reasons why more than half of the UK' s working population is not saving in a pension, and seeks to identify the factors which would encourage them to start saving. It assesses the level of consumer support for personal accounts and the process of auto-enrolment. Drawing on a range of primary and secondary data sources, the report also provides a thorough appraisal of the current state of the UKpensions market, and assesses its short-term prospects for growth.
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