The future of UK retirement

Retirement is evolving. We help employers navigate change with confidence, and understand what it means for their people.

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Supporting better decisions 

Managing legacy pension schemes and planning for future retirement benefits has always been complex. Now, change is accelerating. Economic shifts, regulation and shifting expectations are reshaping UK retirement.

For employers, this creates both opportunity and risk. Staying informed and proactive is key to delivering better outcomes for your people.

Here, we share practical insight, clear guidance and resources to help you navigate what’s next for the future of UK retirement.

Explore all future of UK retirement insights

Retirement adequacy

As the risk of retirement inadequacy grows, we’ve launched a three-year project to help employers prepare for the future of workplace pensions.

Our publications explore the scale of the issue challenge, and what it means for employers.

Our video on retirement adequacy highlights the key drivers behind today’s challenges and why this issue should be on every employer’s radar.

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Falling into a retirement adequacy crisis

We explore the scale of the issue. It’s the first in a series that will lead to practical steps to help reverse the current trend.

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Retirement adequacy and the reliance on responsibility

We explore the influence of different stakeholders, why employers are key to tackling this issue and how inaction can lead to negative outcomes for UK employers.

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Retirement adequacy: can employers afford not to care?

We explore how changing retirement behaviours are reshaping the employer–employee relationship.

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Webinar: Retirement adequacy: the commercial impact for employers

Register to watch our webinar where we're joined by Roshane Mohidin, Associate Medical Director at Aviva, to discuss why adequacy should be at the top of employers’ agenda and how inadequate retirement outcomes create tangible risk to employers.

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CDC - the complete picture

The past few years have seen significant developments in CDC pensions that could benefit millions of future savers.

Our publication explores how these changes could reshape retirement outcomes across the industry, summarises our research, industry engagement, and the development of multi-employer draft regulations, providing a comprehensive view of the evolving CDC landscape.

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Policy paper: The untapped potential of pensions

Hundreds of billions of pounds could be unlocked from pensions for UK growth through a package of policy changes we’ve outlined in a new paper The untapped potential of pensions. 

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Employee benefits 2026: trends and employer priorities

2025 reshaped employee benefits. Costs rose. National Insurance went up. Private medical insurance premiums jumped. At the same time, pensions policy moved fast.

Our report shows how employers are responding and where practical changes can make the biggest difference. 

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