Pensions policy shapes outcomes across generations. In this episode of Hymans Robertson On…, our panel explore how we can build a system that works for everyone.

They discuss the pressures facing both public and private pensions, from the rising cost of the state pension to the shift from defined benefit (DB) to defined contribution (DC), which has moved risk onto younger savers.

The potential for collective defined contribution (CDC) schemes is also explored. The conversation looks at whether meaningful change is possible, including how automatic enrolment could evolve and how policy might better support financial resilience, while improving retirement adequacy.

They close by challenging whether the current system works for everyone, highlighting gaps for part-time workers and the self-employed, and the need for a more inclusive approach to pension design.

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