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The ins and outs of retirement saving


There has been lots of recent research and debate on individuals’ accumulation of wealth for retirement, driven by the concern that younger generations are not saving enough. Much less attention, however, has been paid to how individuals use their wealth once in retirement.

In this presentation, IFS researchers draw together the conclusions of a programme of research carried out over the last two years, which sheds light on individuals’ saving for retirement and how different sources of wealth are drawn on through retirement. In particular, they highlight factors that are crucial for policymakers and providers in the new environment of automatic enrolment into workplace pensions, DC pensions freedoms and Lifetime Individual Savings Accounts.