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    Insights, debate and bold thinking to help make financial security in retirement more achievable and widespread

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Thinking Forward

Insights, debate and bold thinking to help make financial security in retirement more achievable and widespread.

  • Thinking Forward
  • Insights
  • Latest
  • Dashboards
  • DE&I
  • Economic Trends
  • Pension Reform
  • Article card image
    Recommended
    2 mins

    November 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.
    Neil Hugh
  • Article card image
    Economic Trends
    2 mins

    November 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?
    Donna Walsh
  • Article card image
    Pension Reform
    4 mins

    October 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.
  • Article card image
    Economic Trends
    4 mins

    September 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.
    Donna Walsh
  • Article card image
    Pension Reform
    38 mins

    September 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.
  • Article card image
    DE&I
    2 mins

    July 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?
  • Article card image
    Recommended
    28 mins

    July 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?
  • Article card image
    Pension Reform
    2 mins

    June 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?
    Gail Izat
  • Article card image
    Recommended
    13 mins

    June 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.
  • Article card image
    Economic Trends
    30 mins

    June 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.
  • Article card image
    Pension Reform
    30 mins

    June 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.
  • Article card image
    Recommended
    15 mins

    June 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.
  • Article card image
    Recommended
    3 mins

    February 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).
  • Article card image
    Recommended
    6 mins

    February 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.
  • Article card image
    Recommended
    6 mins

    February 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.
  • Article card image
    Recommended
    49 mins

    February 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.
  • Article card image
    Dashboards
    30 mins

    January 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.
  • Article card image
    Recommended
    6 mins

    November 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.
  • Article card image
    Recommended
    34 mins

    November 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.
  • Article card image
    Pension Reform
    30 mins

    August 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.
  • Article card image
    Pension Reform
    3 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.
  • Article card image
    Dashboards
    3 mins

    July 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.
  • Article card image
    Dashboards
    2 mins

    May 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.

Standard Life's brand promise is to help people secure a life of possibilities.

Our brand ambition is to be a leader in the markets of which we operate by putting customers at the heart of everything we do.

Amoungst other things, this means being a thought leader, pushing debate on the topics that really matter to our. customers, our clients and their advisors.

Providing insightful views and making policy recommendations.

And if we do this well, we get the chance to broaden our influence base and impact across a wider set of channels.

Our joint research initiative with the OECD

We’re excited to have embarked on a three-year joint research initiative with the Organisation for Economic Co-operation and Development

Find out more

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