Adequacy of future retirement incomes: new evidence for private sector employees
By Jonathan Cribb, Laurence O’Brien & David Sturrock
In this report and the accompanying report on policy recommendations (Cribb et al., 2024a), we focus on the outlook for the adequacy of employees’ retirement incomes and changes to automatic enrolment. We do not here consider reforms that we broadly define as aimed at changing investments, costs and returns (including ‘pot for life’ and collective defined contribution pensions) but will return to consider these later in the Pensions Review. A separate report also published in September 2024 considers the outlook for self-employed workers and potential policy solutions to trends in their saving that are of concern (Cribb et al., 2024b).
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