Employees

Employees now value pension choice more than short term perks because it supports how they already manage their finances. Allowing people to direct contributions into a pension they trust reduces friction, builds confidence and strengthens long term financial wellbeing. For HR leaders, this is a practical way to offer a benefit that genuinely adds lasting value.

Gen Z face rising living costs, stretched salaries, and financial milestones that feel further away than ever, which is exactly why pensions matter. Your pension is one of the few areas where time works in your favour. Even small contributions, supported by your employer and tax relief, grow steadily in the background. Research shows a 25 year old today may need a pension pot of £3.1 million to retire comfortably, which highlights how valuable early action can be.

Discover how to make the most of your workplace pension at every life stage. This guide explains how to manage contributions, consolidate multiple pension pots, and build long-term savings with confidence. Learn how to stay enrolled, maximise employer matching, and keep your money growing in one place.