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    A pioneering think tank with a bold ambition to help everyone achieve long-term financial security.

    Thinking Forward

    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.

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  • Article card image
    Economic Trends

    Video | Private markets: what is the opportunity for the UK pensions industry?

    The UK pensions industry has historically allocated very little DC pension investment into private markets. Yet when we look to our peers in Australia and Canada this is much higher. What can we learn from our international peers and how can private market investment benefit customers? Michela Bariletti, Chief Credit Officer and Head of Investment Research at Phoenix Group joins us to discuss.

    March 04, 2025

    23 mins read
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    Economic Trends

    Video | 2025 macroeconomic outlook

    2024 was hailed the year of the election, but what will the results mean for the economic outlook? And what trends can we anticipate for 2025? Find out in our discussion with Anthony O'Brien, Head of Market Strategy at Phoenix Group.

    February 25, 2025

    23 mins read
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    Economic Trends

    Video | Saving habits: what can we learn from the US?

    What a lot of people get wrong about emergency savings, how spending habits change during retirement – and why some retirees really return to work.
    featued article author

    June 28, 2024

    22 mins read
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    Economic Trends

    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?
    featued article author
    Donna Walsh

    November 13, 2023

    2 mins read
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    Economic Trends

    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.
    featued article author
    Donna Walsh

    September 18, 2023

    4 mins read
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    Economic Trends

    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?
    featued article author

    July 07, 2023

    28 mins read
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    Economic Trends

    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.
    featued article author

    June 05, 2023

    30 mins read
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  • Article card image
    Economic Trends

    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.
    featued article author

    June 05, 2023

    13 mins read
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    Economic Trends

    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.
    featued article author

    November 25, 2022

    6 mins read
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    Economic Trends

    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.
    featued article author

    November 25, 2022

    34 mins read
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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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