The Pensions Regulator’s (TPR) recently published AI plan provides a practical blueprint for action: govern with discipline, monitor with care, and keep members’ interests at the heart of every decision. The Mercer...
For too long, the pensions industry has treated communication and engagement as though they are interchangeable. They are not. Sending more emails is not an engagement strategy. A birthday email is not...
After Pension Freedoms, default retirement is emerging as one of the most significant structural developments in how we think about retirement outcomes. While the exact operational requirements are still being refined, the...
Retirement today is far from a simple, clear-cut milestone. Instead, it’s a complex, often daunting journey filled with uncertainty and important decisions about how to turn decades of savings into a sustainable...
Auto-enrolment has brought millions of individuals into workplace pension schemes. Yet engagement remains largely passive, with 94% of Master Trust members invested in their main default strategy.1 This challenges the industry to...
Mercer worked with research agency REO Digital to explore how people think about accessing their pension in retirement. The research surveyed 381 pension savers aged 45 to 65, focusing on retirement goals...
Private markets are becoming an increasingly important way for defined contribution (DC) pension schemes to seek long-term growth. One approach that has worked particularly well in Australia is co-investing, and Mercer believes...
Pension engagement only matters if it changes future financial outcomes. Mercer Money was built with that simple idea in mind: make it easier for members to understand their pension, make informed choices,...
Understanding and engaging with pensions can often feel overwhelming or distant for many people. Research from the Department for Work and Pensions1 highlights that members’ attitudes towards their pensions are frequently shaped...
The UK faces a serious retirement challenge. Nearly half of working-age people aren’t saving enough for their future1, putting millions at risk of financial insecurity in retirement. While encouraging higher contributions and...
