The whole principle of automatic enrolment relies on workers automatically joining a pension scheme, and then not taking action to opt out. Of course, apathy is only really the starting point. We don't need people 'sleepwalking' their way to saving; we need them to understand why they are saving and, if possible, to save more than the bare minimum. That's why it's fundamental to create the right culture and the right messages around pensions generally, and especially around pensions reform. Last month the DWP published analysis on the interaction between pensions saving and means-tested...
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