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Recommended2 minsNeil HughNovember 16, 2023
Auto-enrolment: how and when should default contribution rates rise to 12%?
Our new framework outlines tests for determining the economic conditions that would allow for default contribution rates to increase. It also outlines tests that would necessitate a pause. -
Economic Trends2 minsDonna WalshNovember 13, 2023
Older renters: the elephant in the room when it comes to retirement?
Future generations of older people are more likely to live in a rented home than they are today. So what might this mean for their retirement plans? -
Pension Reform4 minsOctober 09, 2023
New Zealand’s KiwiSaver: a template for auto-enrolment reform in the UK?
To help understand how auto-enrolment may evolve in the UK, here are some insights into New Zealand’s KiwiSaver – the world’s first auto-enrolment opt-out national savings scheme. -
Economic Trends4 minsDonna WalshSeptember 18, 2023
Should trustees be worried about the impact of artificial intelligence on Master Trusts?
Artificial intelligence is set to reshape all our lives – and this could include our pensions. Trustees therefore need to understand its limitations, ensure members’ information is appropriately protected, and keep pace as this technology evolves. -
Pension Reform38 minsSeptember 15, 2023
Podcast | What the UK can learn about auto-enrolment from New Zealand
Two leading experts on pension reform discuss the merits of allowing pension withdrawals for home ownership, member engagement and financial education – and whether you really need tax incentives to encourage people to save for retirement. -
DE&I2 minsJuly 26, 2023
5 tips for improving your financial wellbeing programme
Financial wellbeing has been a hot topic in recent years, but what does the term actually mean? And how much difference do most financial wellbeing programmes actually make to employees’ lives? -
Recommended28 minsJuly 07, 2023
Video | Financial wellness: What UK employers can learn from the US
Financial wellness has been a hot topic in recent years, but what does it actually mean? And how can employers be sure the support they provide to employees really makes a difference? -
Pension Reform2 minsGail IzatJune 21, 2023
6 trends that have reshaped the pensions landscape
Many future generations of pensioners are likely to face substantial financial difficulties in older age – unless there’s policy action. So what are the challenges facing the UK pensions system, and how can they be overcome? -
Recommended13 minsJune 05, 2023
Video | The cost of living crisis – what comes next?
Are we facing another lost decade in living standards? And, if so, what might this mean for interest rates, mortgage repayments and the labour market? Find out in our discussion with Paul Johnson, Director at the Institute for Fiscal Studies. -
Economic Trends30 minsJune 05, 2023
Podcast | The cost of living crisis – what comes next?
Are we facing another lost decade in living standards? And, if so, what might this mean for interest rates, mortgage repayments and the labour market? Find out in our discussion with Paul Johnson, Director at the Institute for Fiscal Studies. -
Pension Reform30 minsJune 01, 2023
Podcast | Challenges facing the UK pension system: is it time for a new review?
We speak to Paul Johnson, Director at the Institute for Fiscal Studies, about the Pensions Review report, insufficient pension contributions, the State Pension age – and why the UK pension system needs a review. -
Recommended15 minsJune 01, 2023
Video | Challenges facing the UK pension system: is it time for a new review?
Paul Johnson, Director at the Institute for Fiscal Studies, explains the Pensions Review report, insufficient pension contributions, the State Pension age – and why the UK pension system needs a review. -
Recommended3 minsFebruary 17, 2023
How attitudes towards saving and retirement vary by age, gender and ethnicity
Generation, gender, ethnicity and employment status can all affect people’s ability and willingness to save for retirement – according to the Organisation for Economic Co-operation and Development (OECD). -
Recommended6 minsFebruary 17, 2023
How to boost diversity, equity and inclusion in pensions systems
If we want to uncover how pension systems can become more inclusive, we must first understand what might influence people’s ability and willingness to save for retirement. -
Recommended6 minsFebruary 17, 2023
Diversity, equity and inclusion in asset-backed pensions: OECD Business and Finance Policy Papers
Analysis of what influences people's ability and willingness to save for retirement by looking at the views, attitudes and expectations of adults living in the UK. -
Recommended49 minsFebruary 17, 2023
Video | OECD webinar on diversity, equity and inclusion in pensions
The Organisation for Economic Co-operation and Development speaks to Standard Life about why pension systems must adapt as societies become more diverse. -
Dashboards30 minsJanuary 11, 2023
Podcast | Pension dashboards: what can we learn from Sweden and Denmark?
Two world-leading experts on pension dashboards explain how pension dashboards in the UK might affect engagement, and the importance of good data, robust controls, inclusivity, and managing expectations. -
Recommended6 minsNovember 25, 2022
What the UK’s economic challenges mean for long-term savings and consumer behaviour
We spoke to Paul Johnson, Director at the Institute for Fiscal Studies, about rising inflation and falling household income, economic inactivity, the mounting tax burden and the future of the State Pension. -
Recommended34 minsNovember 25, 2022
Podcast | How the UK’s economic challenges may affect us in years to come
We spoke to Paul Johnson, CBE, Director at the Institute for Fiscal Studies, about public sector strikes, shrinking household incomes, rising taxes, economic inactivity and the challenges faced by younger people. -
Pension Reform30 minsAugust 01, 2022
Podcast | What the Australian pensions system tells us about future reform in the UK
What has driven consolidation in Australian superannuation, retirement income policy shifts and infrastructure developments? To find out, we spoke to The Hon. Nick Sherry, an ex-Australian Pensions Minister for Superannuation and Senator for Tasmania. -
Pension Reform3 mins
July 21, 2022
What the UK pensions industry can learn from Australia
Australia's superannuation sector is the fifth-largest pension system in the world, and can provide valuable lessons to the UK. -
Dashboards3 minsJuly 19, 2022
Pensions dashboards – your questions answered
By providing people with a consolidated view of all their pensions, the government dashboard could improve people’s engagement with their pensions. -
Dashboards2 minsMay 09, 2022
Will pension dashboards boost user engagement?
To understand more about the challenges that may lie ahead for dashboards in the UK – but also the opportunities to boost user engagement and retirement planning – read about the lessons learnt from the Swedish pension dashboard.
The aims of Thinking Forward
We want to make financial security in retirement more achievable and widespread, and generally fairer. It's how we believe we can best support the long-term and diverse needs of savers, as well as supporting employers, advisers and trustees.
This is why we launched our thought leadership programme, Thinking Forward.
Through regular events and insights, we want to:
- Support our customers with innovative retirement income solutions
- Deliver better data- and insight-driven customer engagement and service
- Build propositions with financial inclusion in mind
- Invest responsibly
- Champion financial wellness
As well as conducting our own research, we will work with industry experts worldwide to ensure we bring a global perspective to help drive and develop solutions based on research and best practice.