At-retirement options: A ticking time bomb?

Ignoring the ‘pensions Cinderella’ will return to haunt us, says Stephanie Hawthorne

clock • 8 min read
At-retirement options: A ticking time bomb?

A record nine million people will reach pension freedoms age in the coming decade. With final salary schemes on the wane, the defined contribution (DC) replacement will for the first time be the bedrock of most Britons’ private pension provision.

Yet, at retirement, DC members are often on their own when making complex decisions that would even tax an actuary. These are on longevity, cashflow modelling, charges and even just selecting the r...

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

Average employer AE contribution rates increase by 1.7% since 2012
Defined Contribution

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
Martin Richmond
clock 21 July 2026 • 5 min read
Partner Insight: The future belongs to scale – but there's more to it
Defined Contribution

Partner Insight: The future belongs to scale – but there's more to it

As the market consolidates, what does it mean for members and trustees?

Jerry Butcher, Workplace Savings Director, Scottish Widows
clock 21 July 2026 • 5 min read
Partner Insight: 'Access was only the beginning' - three years on from the UK's first LTAF
Defined Contribution

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 20 July 2026 • 12 min read
Trustpilot