27 May 2026
4 min
Many younger employees today are facing a difficult balancing act. They’re balancing saving for retirement, building a deposit for a home and managing day-to-day costs. For many, improving one means compromising on another.
For employers, this presents both a challenge and an opportunity, as pension scheme design can influence how employees navigate these trade-offs.
Our latest publication explores how scheme design can support members balancing these competing priorities. It highlights that:
We set out how employers can use contribution design and modelling to better support members’ financial goals.
If you'd like to discuss how small changes to scheme design could better support your employees, please get in touch.
This communication has been compiled by Hymans Robertson LLP® (HR) as a general information summary and is based on its understanding of events as at the date of publication, which may be subject to change. It is not to be relied upon for investment or financial decisions and is not a substitute for professional advice (including for legal, investment or tax advice) on specific circumstances. HR accepts no liability for errors or omissions or reliance on any statement or opinion. Where we have relied upon data provided by third parties, reasonable care has been taken to assess its accuracy however we provide no guarantee and accept no liability in respect of any errors made by any third party. Hymans Robertson LLP is a limited liability partnership registered in England and Wales with registered number OC310282. Authorised and regulated by the Financial Conduct Authority and licensed by the Institute and Faculty of Actuaries for a range of investment business activities. © Hymans Robertson LLP 2023. All rights reserved.
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