Work and retirement are changing
People work and earn differently, and how they access pensions will change.
Shift in the balance of the market
We expect changes in the trustee model within pensions, with fewer, more professional, trustees.
Defined benefits reducing
As assets and savers in DB schemes reduce, we need to consider how our skillsets and focus may need to change.
The DC market is growing and consolidating
As they become systematically large entities with virtually all new savers — how do we regulate them and what focus do they require?
Suppliers innovation and integration
Pension providers will diversify into other products and services for savers.
Stewardship of investments
Effective, ethical and diverse management is more and more important to savers.
Technology
What regulatory engagement and data analysis technologies should we develop?
Regulation
How will market consolidation, integration and innovation change the regulatory landscape?