Adrian Boulding: How to bring the self-employed into AE

Digital technology-driven solution

clock • 6 min read

Cash-free business transacting combined with HMRC's 'Making Tax Digital 'initiative could solve the self-employed pension savings gap, asserts Adrian Boulding

Auto-enrolment (AE) has been a great success for the almost two-thirds (63%) of the UK labour market that enjoy full-time employment. The number newly saving for retirement as a result of being auto-enrolled by their employer has now topped eight million. And opt-out rates remain encouragingly low at around 10%. However … the Pensions Regulator (TPR) statistics, derived from the compliance reports it is sent by employers as they pass through staging, reveal another seven million employees who were not enrolled by their employer because they were too young, too old or did not earn enough....

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Retirement

Watch PA's Working Lunch with L&G: Navigating the new landscape of retirement solutions

Watch PA's Working Lunch with L&G: Navigating the new landscape of retirement solutions

Catch up on the discussion

Professional Adviser
clock 09 April 2026 • 1 min read
The changing nature of retirement planning

The changing nature of retirement planning

Retirement planning conversations must 'evolve'

Lorna Shah
clock 02 April 2026 • 4 min read
The advice dividend in an age of retirement uncertainty

The advice dividend in an age of retirement uncertainty

The UK pensions landscape has become progressively more complicated in recent decades

Andrew Tully
clock 17 February 2026 • 4 min read