Pension Adecuacy – June 2025
By Hargreaves Lansdown
To provide insights into the nation’s retirement resilience, the Hargreaves Lansdown Savings and Resilience Barometer includes the Pension Value indicator. This indicator evaluates the expected financial resilience of households in retirement. It does this by comparing their current pension savings against the level of saving needed to achieve a benchmark income in retirement. The Pension Value indicator is currently underpinned by the Pension and Lifetime Saving Association’s (PLSA) moderate living standard in retirement benchmark.
However, there are a range of different benchmarks used to assess pension adequacy in the UK. Each of these benchmarks take a different approach to defining financial security in retirement, which means that each provides a different picture of the state of retirement resilience across the nation. This report explores the following benchmarks in depth, comparing and evaluating their implications for retirement resilience.
Get the report here
