Employers play a bigger role in pensions than imagined

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Every link in the pension chain – from trustees to consultants to employers – has a part to play, writes Lady Mayor Susan LangleyFor many UK savers, their pension pot will become their single largest ...

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height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEmployers play a bigger role in pensions than imagined\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-10-05 12:01 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.cityam.com/employers-play-a-bigger-role-in-pensions-than-imagined/><strong>cityam</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Every link in the pension chain – from trustees to consultants to employers – has a part to play, writes Lady Mayor Susan LangleyFor many UK savers, their pension pot will become their single largest ...</p>\n\n<a href=\"https://www.cityam.com/employers-play-a-bigger-role-in-pensions-than-imagined/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4107","symbol_name":"财产与意外伤害保险","start_time":0,"source_url":"https://www.cityam.com/employers-play-a-bigger-role-in-pensions-than-imagined/","article_id":"2673772192","we_media_id":null,"thumbnails":["https://www.cityam.com/wp-content/uploads/2023/06/GettyImages-1245582320-e1698782120730.jpg?w=824&h=463&crop=1"],"rights":{"source":"cityam_highlight","url":"https://www.cityam.com/employers-play-a-bigger-role-in-pensions-than-imagined/","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2673772192","pubTimestamp":1791172860,"columns":[],"sourceInfo":{"source_id":"cityam_highlight","name":"cityam"},"weMediaInfo":null,"summary":"Every link in the pension chain – from trustees to consultants to employers – has a part to play, writes Lady Mayor Susan LangleyFor many UK savers, their pension pot will become their single largest asset, bigger than their home. Yet too often the industry loses savers from the conversation entirely between the moment they are auto-enrolled and the day they eventually retire.Last week I welcomed senior figures from across the pensions value chain to Mansion House. Around the table we had employers, trustees, master trusts, consultants, providers, asset managers, growth capital investors and regulators. That breadth is important because no single organisation controls retirement outcomes. Every link in the pension value chain shapes what savers ultimately receive, but for too long different parts have operated in isolation, pointing to barriers elsewhere in the chain.As these mechanisms come together, we also need a whole-system shift on value for money. For too long, workplace pension","collect":0,"end_time":0,"defaultTopTitle":"cityam.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4107":"财产与意外伤害保险","ITDE":"ISHARES LIFEPATH TARGET DATE 2045 ETF","EIG":"Employers控股"},"translate_title":"雇主在养老金中发挥着比想象中更大的作用","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"EIG":1.5,"ITDE":0.73},"content_text":"Every link in the pension chain – from trustees to consultants to employers – has a part to play, writes Lady Mayor Susan LangleyFor many UK savers, their pension pot will become their single largest asset, bigger than their home. Yet too often the industry loses savers from the conversation entirely between the moment they are auto-enrolled and the day they eventually retire.Last week I welcomed senior figures from across the pensions value chain to Mansion House. Around the table we had employers, trustees, master trusts, consultants, providers, asset managers, growth capital investors and regulators. That breadth is important because no single organisation controls retirement outcomes. Every link in the pension value chain shapes what savers ultimately receive, but for too long different parts have operated in isolation, pointing to barriers elsewhere in the chain.\n\n\n\nSuccessful pension systems overseas make the case for change uncomfortable to ignore. Australia and the United States channel pension savings into domestic growth sectors, funding innovation, sustaining local jobs and delivering stronger returns for savers. The UK, by contrast, offers tax relief on pensions while providing too little incentive to invest in British businesses. The result: UK savers miss out on returns, UK companies miss out on capital and the Exchequer misses out on tax receipts that a growing economy would generate, all while our savings support jobs and R&D overseas.How to upgrade UK pensionsThe ambition to fix this is already on the table. Last year the City Corporation launched the Mansion House Accord: a commitment by 17 of the UK’s defined contribution pension providers to allocate 10 per cent of default fund assets to private markets by 2030, with at least half invested in the UK. Done well, the Accord has the potential to unlock billions of pounds of long-term capital for high-growth businesses, infrastructure and clean energy – diversifying savers’ portfolios for greater returns while backing British growth.\n\n\n\n\n\n\nNews Updates\nStay ahead with our three daily briefings delivering all the key market moves, top business and political stories, and incisive analysis straight to your inbox.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nFor the Accord to deliver, however, we need a clear pipeline of investable UK opportunities placed firmly in the shop window, alongside confidence that the chokepoints blocking capital will be cleared. That is why government partnered with the City of London Corporation to launch Sterling 20, designed to become the trusted route for testing and shaping priority investment propositions.\n\n\n\nAs these mechanisms come together, we also need a whole-system shift on value for money. For too long, workplace pension decisions have focused too heavily on cost. A relentless pursuit of the lowest fee crowds out the investments most likely to deliver stronger long-term returns. The right question is not “what is cheapest?” but “what will deliver the best retirement for our people?” That means weighing investment performance, member experience, retirement support and cost together.Employers have a bigger role than is often recognised. Pensions cannot be treated as a compliance requirement – a box ticked and revisited only when a contract comes up for renewal. Employers have significant influence over the providers and advisers they choose. The Employer Pension Pledge, launched last year, was designed to give employers the platform to drive that cultural shift by committing to a value-for-money approach from the outset.So where do we go from here? At the conference we worked towards a set of practical principles: prioritising long-term saver outcomes, supporting access to growth and diversification and assessing value across the entire delivery chain. We took an honest look at what still blocks investment in private markets, how we build a deep and investable pipeline, deliver the value-for-money framework in full and find practical solutions on liquidity.\n\n\n\nSome barriers are genuine constraints while others can be overcome through innovation and greater industry commitment. With the full value chain around the table, our job is to distinguish between the two and be clear about who needs to act.Success will be measured simply: capital deployed, projects financed and better outcomes for savers.Susan Langley is the Lady Mayor of the City of London","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}