Latest Publications

Latest Publications:

Publication

Member choice for pensions: Addressing some common questions

This paper builds on the SMF paper published in December 2023, which argued for ‘member choice’ in pensions. With such a proposal under consideration by the Government, it addresses some common questions and misapprehensions.
Published: 16 February 2024
Author: Michael Johnson
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Publication

Member choice, to complement small pots’ consolidation

In the Autumn Statement 2023, the Chancellor announced a call for evidence on a lifetime provider model for pensions. This briefing, with a foreword from pensions minister Paul Maynard, details a “member choice” proposal, which would simplify the pensions market by allowing individuals to move towards having one pension pot for life, thereby helping to tackle the long-standing problem of “small pot” pensions.
Published: 13 December 2023
Author(s): Michael Johnson, Tom McPhail
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Publication

Squeezed out or opting out? Understanding ethnic differences in use of financial products and services

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.
Published: 06 February 2023
Author(s): Niamh O Regan, Aveek Bhattacharya, Gideon Salutin, Scott Corfe
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Publication

The case for extending automatic pension enrolment to young workers

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.
Published: 15 March 2022
Author: Social Market Foundation
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Publication

Banking on building back better – How can a stakeholder economy help rebuild the UK after COVID-19?

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.
Published: 16 March 2021
Author: Social Market Foundation
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Publication

Golden Years? What freedom and choice will mean for UK pensioners

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.
Published: 03 November 2015
Author(s): Nigel Keohane, Ben Richards, Katie Evans
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Publication

Good Pensions: Introducing social pension funds to the UK

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.
Published: 02 September 2015
Author: Nigel Keohane
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Publication

SMF Briefing: Pensions policy for the next parliament

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.
Published: 22 September 2014
Author: Nigel Keohane
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Publication

Public Sector Pensions: Planning the Future

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.
Published: 08 December 2010
Author: James Lloyd
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