Speakers
Will Sandbrook, Nest Insight

UK pension regulations mandate minimum pension contributions to be made into an individual’s pension by both employers and employees. Beyond this, there are a wide range of approaches to supporting employees to save enough to achieve an adequate outcome in retirement through different pension contributions structures. Employers are also increasingly thinking about how to support broader employee financial wellbeing, particularly in the current economic context. But, to what extent is it an employer’s role to support their employees’ financial security? In what ways could an employer have most impact? And what are the barriers to employers doing more?

In this session we will share some early findings from our research programme, supported by abrdn Financial Fairness Trust, exploring opportunities for innovation and voluntary increases in employer contributions to pensions and other financial workplace benefits, and feature a range of different employer perspectives on these questions.

Speakers 
Moderator: Matthew Blakstad, Nest Insight; Alyshia Harrington-Clark, Pensions and Lifetime Savings Association (PLSA); Jack Jones, Trades Union Congress (TUC); Jo Phillips, Nest Insight

The UK’s auto enrolment programme has created near-universal participation in the private pensions system, dramatically expanding access to one aspect of wealth-building for low- and moderate-income (LMI) households. At the other end of the spectrum, we’ve increasingly focused on supporting short-term financial resilience through tools to support emergency saving. But what about everything else in between? How should we think about the transition from financial resilience through to building wealth and assets? What barriers to building wealth exist for LMI households? Which forms of wealth could or should they be focused on, and what policy and/or market solutions are needed to support these goals?

This panel will take a broad view of household finances, exploring the challenges inherent in different forms of work, the structural challenges in the housing market and what all this means for wealth-building among LMI households.

Speakers
Moderator: Will Sandbrook, Nest Insight; Lindsay Judge, Resolution Foundation; Joe Richardson, Living Wage Foundation; Joanna Smith-Ramani, Aspen Institute Financial Security Program (Aspen FSP)

Iona Bain is an award-winning journalist, broadcaster, speaker and author, and is the UK’s go-to voice on millennial money. Since founding the pioneering Young Money Blog in 2011, she’s gone on to become one of the most respected financial writers of her generation, with a rare combination of accessibility and authority.

Speakers
Iona Bain, Young Money Blog

Speakers
Will Sandbrook, Nest Insight; Claire Chamberlain, BlackRock Social Impact