Campaigning for the underpensioned

We examine the pension savings gaps for the most financially at-risk groups in our society – from carers and single parents to part-time workers and disabled people.

The underpensioned report 2022

Since our last published report two years ago, the pension wealth gap has worsened. Underpensioned groups are retiring with 85% less than the UK average.

We are proposing two key policy changes that will help these groups increase pension wealth by an average of 30-52%.

Download report
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The underpensioned report 2020

Underpensioned groups are reaching retirement age with a pension wealth approximately 15% of the UK average.

Our policy proposals would help get a further 2.5 million involved with pension saving, generating an additional £1.2 billion in annual pension contributions.

Download report

Our fight to make pensions fairer for all

We’ve presented five policy proposals to the government to make pensions fairer for all.

1
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Remove the £10,000 earnings ‘trigger’ for auto enrolment

Where every £1 of income is eligible for pension contributions.

2
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Remove the lower earnings limit

So all earnings count towards pension contributions.

3
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Introduce a ‘family carer’s top-up’

To the pensions of people taking time out of paid work to care for family members.

4
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Include pensions in divorce settlements

Pension assets should be treated like all other assets in financial settlements.

5
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Make more lower-cost childcare available

A parent shouldn’t have to choose between a job or childcare.

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Fair Pensions For All

By highlighting inequalities and campaigning for change, we’re helping people who save get the retirement and financial outcomes they deserve.
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Gender pensions gap

Women, on average, will have to work an extra 19 years to retire with the same pensions savings as men. We’re campaigning to close the gap.

Five easy ways to pay your pension some attention

We’re here to help savers know what pension money they’ve got, where their pensions are and how they can keep track of them easily.
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Pandemic and pensions

We explore how the pensions savings gaps for underpensioned groups have worsened during the COVID-19 pandemic.