The pensions opt-out maze

When workers are automatically enrolled into a pension scheme from 2012, the Government is relying on people remaining members because they simply can’t be bothered to opt out. But people will opt out. They will opt out because they feel they can’t afford to pay pension contributions. They will opt out because they don’t believe it pays for them to save in a pension. And they will opt out because the people around them influence them to do so. This could be their friends, family, or work colleagues. The Government is worried that employers will try to pressurise or tempt their workforce...