Pension engagement is rarely a single moment. It develops over time as employees join, move roles, change employers, and reassess their long term plans. The Member Lifecycle Map sets out a practical way to understand these moments, showing how clear communication, timely nudges, and continuity can help build lasting pension awareness, confidence, and engagement across every stage of a working life.

Unmonitored pensions can quietly weaken long term savings at every stage of life. As workers change jobs more often, multiple pension pots build up and visibility is lost. Missed contributions, unsuitable investments and hidden fees can all reduce future value over time. Regular pension check ins help savers spot issues early, stay aligned with their goals and protect their retirement with greater clarity and control.