Pensions after Automatic Enrolment: Why the Next Settlement Must Look Beyond Saving

06 November, 2026

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Automatic enrolment has increased pension participation, yet participation does not necessarily ensure adequate retirement incomes. Evidence highlights gaps affecting low earners, carers and self-employed workers, alongside the importance of contribution levels, retirement-income choices, housing, health and longer working lives. The next phase of pension policy requires examination of how these factors interact and what the evidence highlights about the effectiveness of different approaches.

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Priya Khambhaita

Dr Priya Khambhaita is Head of Research at the Pensions Policy Institute, specialising in pensions, retirement, work and income policy, with extensive experience in mixed-methods research.
Articles by Priya Khambhaita

Symposium on the Interim report of the Pensions Commission

Two decades ago, the findings of the Turner Commission helped reshape pensions policy in the UK, including the move towards auto-enrolment of employees. However, amid concerns that future generations of pensioners are set to be poorer than those retiring today, a new Pensions Commission has been asked to look again at the system, and the policy options that might improve it. In May 2026 the Commission published its interim findings, in their report 'Pensions2050: evidence and future priorities'. In this collection, three expert commentators consider whether the interim report identifies the right issues, and what should happen next.

Explore the collection