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Retirement saving consortium
Funded by: Retirement Saving Consortium
Date started: 01 March 2008

This project investigates the nature of retirement saving. In particular we make use of individual and household level data on patterns of saving and savings. This knowledge will be important to help the government and pensions companies plan their policies. There are four related strands to this project:

  • How do saving rates and wealth accumulation change over the lifecycle, and how have these patterns changed in recent years?
  • What is the relationship between people's lifetime earnings and their retirement incomes and what factors are associated with high ratios of the latter to the former?
  • How many employees might be affected by the move to Personal Accounts, and what are their characteristics?
  • How have recent trends in the overall value of pension provision differed between public and private sectors?

Funding for the project comes from a consortium of organisations with an interest in pensions policy.

These are:

Related publications
Publications by type

07 February 2011
IFS Working Papers
Article
How much do lifetime earnings explain retirement resources?
We use a unique dataset to construct measures of lifetime earnings and examine how these relate to financial resources in retirement.
06 October 2010
Presentations
Article
The wealth and saving of UK families on the eve of the crisis
Presentation at the Financial Services Authority, 6th October 2010.
17 August 2010
External publications
Article
Retirement outcomes and lifetime earnings: descriptive evidence from linked ELSA-NI data
This paper adds to the evidence base on retirement income adequacy and how retirement incomes relate to lifetime earnings.
15 July 2010
IFS Reports
Article
The wealth and saving of UK families on the eve of the crisis
This report looks at the level of wealth and the rate of saving of households in the UK on the eve of the global economic crisis.
15 July 2010
IFS Press Releases
Article
Little saving done by families in the run up to the financial crisis
Most families accumulated very little liquid wealth between 2000 and 2005 according to new research published today by the Institute for Fiscal Studies and funded by the IFS Retirement Saving Consortium.
09 June 2010
IFS Briefing Notes
Article
The history of state pensions in the UK: 1948 to 2010
This Briefing Note describes state pension provision in the United Kingdom from the inception of the basic state pension in 1948, following the Beveridge Report, to Pensions Act 2007 and the plans of the Conservative/Liberal Democrat coalition government.
01 April 2010
IFS Press Releases
Article
Pensions boost public sector pay growth unlike private sector experience
Public sector pay grew more rapidly than private sector pay between 2001 and 2005, but the gap was even larger if we take into account the rising value pension accrual among public sector workers and the falling value among private sector workers, according to new research published today by the Institute for Fiscal Studies (IFS) and funded by the IFS Retirement Savings Consortium.
01 April 2010
IFS Working Papers
Article
Occupational pension value in the public and private sectors
IFS researchers find that the average value of pension accrual is much higher in the public sector than in the private sector.
15 June 2009
Presentations
Article
The 2012 pension reforms and private pension holding in the UK
15 June 2009
Presentations
Article
The market for Personal Accounts
This presentation was given at the event, The default solution to a pensions crisis?
15 June 2009
IFS Commentaries
Article
Amounts and accounts: reforming private pension enrolment
This Commentary provides an assessment of the number of individuals likely to be affected by forthcoming reforms to private pensions.
15 June 2009
IFS Press Releases
Article
Reforms to boost pension coverage, but many accounts may have small amounts
A report published today by IFS researchers presents new evidence on individuals at which the Government's recent pension reforms are targeted.
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