Adrian Boulding: How and why we must engage the auto-enrolled

There are several techniques to help engage savers

clock • 6 min read

The key to auto-enrolment's success is customer engagement as without it the epidemic of pensions under-funding will continue, writes Adrian Boulding

Automatic enrolment has been one of the consistently positive stories in the retirement market in a sea of pension reform turmoil over recent years. Opt-out rates have consistently outperformed early expectations. The latest numbers indicate that average opt-out rates are still around about 12%, although these numbers vary by age group, which definitely raises some early questions for the industry to ponder. For example, official figures showed 23% of workers over 50 opted out in 2014, compared with 7% for those under 30 and 9% for those aged between 30 and 49. Why do opt-out rates...

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