Retirement adequacy: identifying future risks in your workforce

Potential changes to pension policy, changing employee expectations and evolving retirement patterns could have significant implications for employer costs, workforce planning and employee wellbeing.

Our latest insight uses our Guided Outcomes™ modelling to help employers understand what these changes could mean for their organisation. We explore the potential impact of future reforms on pension costs and identify which groups of employees may be most affected. 

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The analysis helps answer some important questions:

• What could future pension reforms cost your business?
• Which employee groups are most at risk of inadequate retirement outcomes?
• Could policy changes increase existing inequalities across your workforce?
• Where should you focus benefits spend to achieve the greatest impact? 

Understanding these risks now gives employers more time to plan ahead, make informed decisions and prepare for a changing pensions landscape.

To discuss how prepared your organisation is for changing retirement expectations and pension policy reforms, 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 2026. All rights reserved.