The amount that the average employee is willing to contribute towards their retirement savings through a pension scheme has dropped by almost a quarter (24%) in the last year, according to research by Scottish Widows.
The 2013 Scottish Widows Workplace pensions report, which surveyed more than 5,000 employees, found that, among those who are still to be auto-enrolled, the average amount they are willing to save each month has dropped from £67 in 2012 to £51 in 2013.
Awareness of auto-enrolment has increased from more than a third (39%) in 2012 to almost two-thirds (65%) in 2013. However, only one in five (21%) of respondents on an annual income of less than £30,000 are still not aware of the legislation.
The research also found that 28% of those who have been auto-enrolled are unaware how much they contribute, while 44% of respondents who are paying into their workplace pension scheme do not know how much their employer contributes.
It also found:
- 94% of respondents believe their employers should give them some form of guidance around finances in retirement, up from 74% in 2012.
- 57% of respondents think their employer should provide general information about retirement planning, in addition to providing a workplace pension scheme.
- 37% of respondents think their employer should provide full financial advice.
- 18% of respondents would go to their employer for advice about pensions, while 21% would go to their pension providers.
- 25% of respondents would consult an independent financial adviser.
Lynn Graves (pictured), head of business development, corporate pensions at Scottish Widows, said: “We cannot ignore the fundamental correlation between poor employee awareness of the scheme and the lack of understanding of the realities of retirement. The alarming fall in the amount that employees are willing to contribute only serves to highlight this.
“Auto-enrolment is a vital tool for improving savings behaviours, but it cannot work in isolation to change the nation’s attitudes to retirement. The pensions industry, government and employers have to educate the UK workforce about the importance of saving adequately for retirement, and how their workplace pension scheme can help them to be comfortable in old age.”
It’s disappointing that those not yet auto-enrolled are saying they aren’t willing to save a realistic amount. But pension saving doesn’t exist in a vacuum and against a backdrop of continually falling real wages for many, is that surprising? Education alone won’t solve this and it confirms the need for a radical rethink of how we incentivise people to save.
What’s truly shocking is the number of employers who seem happy to throw money away. With nearly half of those employees who have already been auto-enrolled saying they are unaware of what their employer pays, what benefits are companies getting from their contributions? A simple message on a payslip could solve this. Or clear, personal communication in pounds and pence showing how the £100 that comes out of an employee’s pay becomes £250 in their pension pot.
Auto-enrolment is fixing the first part of the pensions problem, with participation rates now increasing rapidly and opt-out rates staying encouragingly low. However, the Scottish Widows research highlights the reality that we’re still a long way from mission accomplished. Most employees aren’t saving enough as it is, yet according to this research the amounts they are willing to save are actually falling.
This highlights the vital role that employers, advisers and pension companies have to perform in helping employees to plan effectively for retirement. Saving adequately for retirement is never going to be something that the majority of employees will actively choose to do because it involves making hard choices. So you have to show them how to do it, explain how it works, put them in control, simplify the paperwork and make it easy for them to make the hard decisions. Some good pension schemes do this for their members, but far too many schemes are still stuck in the 20th century when it comes to member engagement.
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