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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Our thinking on government policy regulation and the future of pensions.
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Recent policy publications
The UK Pensions Commission’s interim report was published on 19 May 2026. It warns that many millions of people, particularly low- and middle income earners, the self‑employed, women and members of some ethnic groups, are facing hardship in retirement, and that changes are needed if the pensions system is to meet expected demographic and economic challenges.
Hymans Robertson looks to the future of implementation of the Pension Schemes Act. Discover more on our vision for the success of the Act.
Hymans Robertson responds to the DWP's Retirement CDC consultation. It highlights the advancements of CDC and risk sharing for DC members in retirement. Find our response for the evolution of CDC in the UK.
Hymans Robertson responds to the third State Pension age review consultation. It highlights bold, practical ideas for a fairer, more sustainable UK State Pension. Discover our recommendations for future-proofing retirement.
The State Pension age (SPa) Review can be the start of improving pension adequacy if the government balances long-term sustainability with intergenerational fairness.
On the eve of the House of Commons’ summer recess, the UK Government announced (with an unseasonal blizzard of publications) the formation of a new Pensions Commission, tasked with bringing forward proposals for improving outcomes for future pensioners.
The Commission’s inauguration fulfils the promise of a ‘Phase Two’ to the Pensions Review, focusing on adequacy of benefits. A review of Pensionable Age (SPA) will operate alongside it.
This paper summarises our research, industry engagement, and the development of multi-employer draft regulations, providing a comprehensive view of the evolving CDC landscape.
- how employers and members perceive CDC
- lessons from international experience
- investment strategies needed for CDC’s success in the UK
The untapped potential of pensions video series
Join Calum Cooper, our Head of Pension Policy, in a video interview series where he speaks with each author behind our policy paper: the untapped potential of pensions. Discover the ideas shaping the future of pensions.
Including self-employed workers in pensions
Tax changes on pensions
Enchasing auto-enrolment
Investment where it's needed
Using pensions surplus for UK investment
Collective pension savings
State pension age review
Calum Cooper is joined by Hannah English and Emma Kyte to explore the government’s state pension age review and our response to it. In this short video series, they break down the key issues and share our views on what needs to change to make the system fairer and more sustainable.
State pension age review part 1
State pension age review part 2
A sustainable state pension
Policy papers
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Policy paper
Adequacy begins at SPa
Explore why the state pension age is the right benchmark for assessing retirement adequacy and how it can improve outcomes for UK pension savers.
Publication
Policy summary: a blockbuster Pension Schemes Bill
In line with earlier announcements, the Bill confirms the government is proceeding with a range of plans.
Publication
60-second summary: New models and endgame options in defined benefit pension schemes
Read our summary on TPR's newly published guidance on endgames for trustees and sponsors of DB schemes.
Publication
The Government’s response to the ‘LGPS: Fit for the future’ consultation
The government's much awaited response to the feedback on its LGPS: 'fit for the future' consultation
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