This presentation will examine what types of people will face auto-enrolment by gender, income groups and other demographics; the effect it will have on peoples income and whether auto-enrolment will work at increasing pension cover. It will also discuss changes to State pensions that might be of interest including the move to the Total Contributions Approach.

In an everchanging pension world – with Auto-Enrolment on the horizon and in scheme drawdown likely to follow – engaging employees and delivering the right supports at key moments in time along the journey toward life after work has never been more challenging, or more essential. 

Our expert panel looks at the complexities of meeting the different needs and consumption preferences of a multigenerational workforce and the importance of delivering the right messages at the right time, in the right way to employees (even those who have not joined the plan yet) consistently throughout the journey, and beyond.

The world is going through a seismic demographic transition, as populations age and traditional workforces shrink, prompting challenges for retirement systems that need to adapt to remain resilient. AI may be able to assist, by helping individuals make better decisions about their own retirement and by helping invest retirement assets. Given the importance of retirement, embedding trust into our AI systems is essential before they are deployed to the retirement business.

The global investment landscape is entering a period of divergence, driven by the expected strengthening of the US economy under a Trump administration. Policies aimed at domestic growth such as tax cuts, deregulation and tariffs are likely to bolster US economic dominance. However, this could also provoke significant reactions from global counterparts, leading to heightened volatility as well as a fragmented growth outlook. What does it all mean for investors and how should capital be allocated? Where are the standout investment opportunities?

Helping employers ensure that their pension arrangements deliver appropriate outcomes for employees into the longer term

The regulatory landscape is continually evolving – pension scheme trustees are responsible for an ever increasing level of compliance, as employers and members foot the bill. With this context this session considers:

• Industry Challenges: Assessing the mood music among industry participants regarding the increasing complexity and burden of pension regulations.
• Upside of a Master Trust: Highlighting the advantages for both employers and employees of transitioning to a master trust arrangement.
• Success Stories: Sharing experiences from clients who have successfully moved to a master trust, showcasing the tangible benefits and improvements the move has brought.
• Regulatory Perspective: Providing insights into the Pension Regulator’s stance on the escalating regulatory requirements and their implications for the industry.

Get up to speed, fast as our speakers panel succinctly summarises the most prominent issues and trending topics from the world of pensions law, including the latest on Auto-Enrolment, a DORA update, a synopsis of recent master trust commentary and more key legislative news.

This panel will discuss the role of employers in supporting employee retirement planning, how organisations are responding to regulatory changes like auto-enrolment, employer obligations and the impact of pensions on employee benefits and well-being strategiesas well asemployee engagement with pensions — why participation rates remain low and how to improve them. The importance of financial literacy and early planning for retirement and how financial planners can support clients in pension decision-making will also be outlined as well as key financial planning strategies to bridge the gap between expected pension income and lifestyle needs.

Topics will also include

• When to start financial planning and the role of CFP®’s (Certified Financial Planner Professionals), QFA’s (Qualified Financial Advisers) and Retirement Planning Advisers (RPA’s) in supporting individuals
• The role of FPSB and LIA, its members, and its courses in raising standards of financial planning
• How continuous professional development (CPD) supports advisers in pension planning
• The role of financial education in encouraging the public to engage with their pensions