One year on: how freedom and choice is changing pensions

Freedom and choice is producing unexpected results across DB and DC schemes

Michael Klimes
clock • 7 min read

The April flexibilities have forced trustees and members to rethink retirement provision. Michael Klimes finds the post-freedoms landscape is complex

At a glance No definitive picture of whether reforms have been good or bad Linking products and individual circumstances key to good member outcomes  Demands on the industry are set to inc...

To continue reading this article...

Join Professional Pensions

Become a Professional Pensions Lite Member today

  • Three complimentary articles per month covering the latest real-time news, analysis and opinion from the industry
  • Receive important and breaking news stories via our two daily news alerts
  • Hear from industry experts and other forward-thinking leaders

Are you a trustee, investment consultant or in-house pension and benefit scheme professional? You can apply for full complimentary access here

Join now

 

Already a Professional Pensions
member?

Login

More on Defined Contribution

Partner Insight: 'Access was only the beginning' - three years on from the UK's first LTAF

Partner Insight: 'Access was only the beginning' - three years on from the UK's first LTAF

Debates around private markets in DC pensions have shifted from regulatory ambition to defining successful implementation. In this interview, Vikram Bhandari shares our insights from three years of managing the first-ever Long-Term Asset Fund.

Ryan Taylor, Head of UK DC Clients at Schroders and Vikram Bhandari, Head and Chief Investment Officer of Schroders Capital Solutions
clock 22 July 2026 • 12 min read
Average employer AE contribution rates increase by 1.7% since 2012

Average employer AE contribution rates increase by 1.7% since 2012

IFS report finds AE employer contribution rates rose to 5.1% in 2024 up from 3.4% in 2012

Martin Richmond
clock 21 July 2026 • 5 min read
DC entering 'new phase' with master trusts now 'dominant' in large scheme market

DC entering 'new phase' with master trusts now 'dominant' in large scheme market

Howden research reveals master trusts now account for 41% of large DC schemes

Holly Roach
clock 09 July 2026 • 1 min read
Trustpilot