Latest Publications

The ethnic minority gap in financial products such as pensions and insurance is well-documented, but poorly understood. Drawing on existing and new survey data, and in-depth interviews, this report seeks to understand the scale of this gap, and possible explanations behind it, as well as proposing recommendations to policymakers and the industry on how to reduce the risk of disadvantage faced by ethnic minorities.

In this briefing, Gareth Davies MP makes the case for young workers to be automatically enroled into a workplace pension scheme. He argues that, instead of waiting until the age of 22, extending automatic enrolment 18-21-year-olds will better equip them meet the challenges of their generation.

This essay series, collected in partnership with the Chartered Banker Institute, re-evaluates the concept of the stakeholder economy in light of the economic and social shockwaves delivered by the Coronavirus pandemic.

This research uses modelling to assess the implications for UK retirees were they to follow similar paths to those exhibited by individuals in Australia and the United States of America, countries where they have similar pension freedoms.

The purpose of this joint paper the Social Market Foundation and Big Society Capital is to explore why and how social pension funds should be introduced in the UK.

With the Government and all parties announcing fresh reforms over the last six months, pensions policy is set to be one of the dominant themes in the lead up to the next general election. Drawing on past and current SMF research, this briefing paper highlights the most important points for discussion.

As the UK government contemplates root and branch reform of public sector pensions, this edited collection brings together a range of expert contributions to explore the arguments behind the debate and the options facing ministers.

This report examines the evidence that current pension rules, associated with the UK 'annuities deal', deter pension saving. The report also explores in detail the practical considerations and problems that would be confronted by the multiple 'early access' models of pension saving that have been proposed.

Published just before the long awaited Pensions Commission report on the future of pensions, the SMF working group’s report, What if? A UK model for compulsory pensions, explores how pension compulsion might best be implemented.