Monday, June 1st 2026 | Duration 26 minutes 39 seconds
Speakers:
Robert Cochran, Workplace Savings Engagement and Innovation Specialist
Pete Glancy, Head of Pensions Policy
Speaker 1 - Robert Cochran 00:12
Hi everyone, and welcome to the Scottish Widows Workplace Savings Podcast, and it's a retirement report special. Yep, the new retirement report for 2026 has just come out, so friend of the podcast and national pension celebrity and wearer of red shoes, and the report's author, Pete Glancy, Head of Pension Policy at Scottish Widows, has just zoomed back into town to join us and bring this year's report to life for you all.
Before we kick off, a quick reminder that this podcast is aimed at those working in, or interested in, the pension market in the UK. You'll get loads of great insight and informed views, but it won't include any advice.
So, Pete, this must be about the busiest week of the year for you. How's the report launch been for you and what you've been up to?
Speaker 2 - Pete Glancy 00:55
Well, as you say, it's been a hugely busy week. It's always the busiest week in the year, but in addition to launching the report this year, of course, we've had the Pensions Act coming out at the same time, with about five or six really big initiatives that are going to impact on our workplace.
So, it's been a challenge juggling the two things. So we've been out trying to make sure that the report's being well covered across the media, key stakeholders, in and out of government departments in parliament last night with the red shoes, to stand out from the crowd, but also just trying to make sure that we're mobilising with all these challenges that are coming out of the Pensions Act that will keep us busy for a couple of years.
Speaker 1 - Robert Cochran 01:32
Okay, and what about the media pickup? What's it been like so far?
Speaker 2 - Pete Glancy 01:34
Well, we've got great coverage across the sort of mainstream media, the online media, the trades, etc. Radio has been good, regional radio, some years when the news agenda is a bit quieter, we sometimes get on the telly, but I think with everything that's going on in parliament with Keir Starmer, it's just blanking out everything else on the news agenda at the moment, so it's a bit of a shame.
Speaker 1 - Robert Cochran 01:55
Yeah, and what's the key messages they've been leading with?
Speaker 2 - Pete Glancy 02:00
I think for the first time there's a sort of good news message, that we've seen the prediction that retirement poverty has come down, or the prediction of retirement poverty has come down.
Speaker 1 - Robert Cochran 02:10
I like a good news story and we're going to come to that, but all the headlines I saw were around the twelve point two million people who were going to be low, below the poverty line, effectively.
Speaker 2 - Pete Glancy 02:20
Well, that's right, but it's good that you get that headline out there, because when enough people understand the size of the challenge, it's easier to engage them in fixing the problem. So, it's good news indirectly, I think.
Speaker 1 - Robert Cochran 02:31
Okay. Right, before we dive into the content in detail, I just wanted to talk about the format shift. So, a bit of a format shift this year. No actual PDF. I've actually had people contact me on LinkedIn, saying, 'Can I get the PDF? But no actual PDF or physical report this time, and it's been split into two releases. So, tell us about the format change and what the thinking behind that was.
Speaker 2 - Pete Glancy 02:52
Okay, well, I guess you'll know yourself. Pensions historically hasn't been the most engaging subject in the world. You've been a pioneer of simplifying it, demystifying it, make it an engaging, and we wanted to do that with the report as well, introducing things like animation, which you can do…
Speaker 1 - Robert Cochran 03:07
Yeah, I love it.
Speaker 2 - Pete Glancy 03:08
…with a PDF. Also, the way that it's set out, it allows us to track the engagement, so we can see which bits are people engaging with, which do they like the most, and then we can do more of the popular stuff next year, so it gives us more, more insight and learning.
The thing about the two of bits of the report. The last pensions commission, if you like, focused only on accumulation, and the first part of this year's report, which we've launched, is doing that same thing. It's how are people accumulating, how are they preparing for retirement.
This pensions commission's going to look at decumulation, how people take their money out of their pension and spend it in retirement, and we've asked the public a whole bunch of questions around that side of things this year. And the second part of the report, which will hopefully put out later in June, will focus on that other area, along with things like artificial intelligence and digital, so it's there's going to be some new elements into the second phase of the report.
Speaker 1 - Robert Cochran 03:56
Okay, cool, that's all up my street, so really keen to see all that. I have to say, I really liked the animation that's built within the report. You know, the way they, you know, the way the graphs all move, and you can focus, and even down the left-hand side, how far down you are through each different report section. It really feels nice and got a fair bit of movement to it.
Speaker 2 - Pete Glancy 04:16
And, of course, they've got a video of me in there. Unfortunately, they couldn't find my good side, but it brings it to life.
Speaker 1 - Robert Cochran 04:21
So, we're going to dive into content, but yes, some nice new innovations in your report, in your video content, have to say. Yeah, okay, let's just talk about the snowball. Tell us about the snowballs. I love that.
Speaker 2 - Pete Glancy 04:35
So, yes, I was using a few eyebrow expressions and hand expressions, I've been told.
Speaker 1 - Robert Cochran 04:40
You were.
Speaker 2 - Pete Glancy 04:41
Very demonstrative.
So, the snowball effect, I think, is a good way of bringing compound interest to life. If you are investing money when you're quite young, the investment growth on that over three or four decades, it's like a snowball going down a hill; it gets bigger and bigger and bigger. I think it's just a neat way of bringing compound investment growth to life.
Speaker 1 - Robert Cochran 05:00
Yep, yep, yep, we had the gamification team in earlier on. We should maybe give them that idea, and they could maybe create an animation that shows that, you know, if you're a five-year-old throwing a snowball, just think how big it could be. If you're a fifteen-year-old, and if you're a fifty-year-old, you just left quite a small snowball at the end. So, yeah, I really liked that.
Okay, so let's dive into the content. There's good news in this report, as you've already highlighted, although, as I say, quite a number of the media headlines were negative, and you know, folks in the numbers who still face pension poverty. But I'm going to kick us off with the positive, and then you can
put the numbers in perspective. So, the national retirement forecast shows that thirty-one percent of UK adults are currently at risk of failing to cover their basic needs in retirement, and that's where that twelve point two million figure came from?
Speaker 2 - Pete Glancy 05:48
Yes, that's right.
Speaker 1 - Robert Cochran 05:49
But that is a significant improvement from thirty-nine percent last year. So, despite there being way too many still struggling to cover their basic needs in retirement, it's a significant year-on-year improvement.
So, why don't you talk us through some of that detail?
Speaker 2 - Pete Glancy 06:02
Yep, so what we do is we survey the six thousand representative members of the British public, we find out about their preparations for retirement, how much they've saved, how they plan to retire, when, how they plan to use the money, other assets that they may have at their disposal, and we try to understand that the costs that they might be facing.
We then use Pensions UK retirement living standards, and we try and map the information from our survey to map the population that we've surveyed against those standards. That's the methodology that we use.
One of the things that we found from the research that we did at the end of 2024, to the research that we did at the end of 2025, which is the basis of this year's report, is that energy costs had actually fallen a fair bit. And when you're older and your incomes aren't as high as when you're working, energy costs, have quite a large impact on your disposable income and your quality of life. So, we had good progress during last year in terms of falling energy costs.
We can obviously see the events in the Gulf at the moment, and there's likely to be knock-on effects on energy prices and cost of living. We'll be tracking that, and we'll report on that effect in next year's report, but for the time being, due to the falls in energy prices last year, there's some good news in there.
Speaker 1 - Robert Cochran 07:15
Okay, and just thinking about what sort of numbers of people are doing all right?
Speaker 2 - Pete Glancy 07:20
In terms of the folk that are doing all right, it's pretty polarised. We've got thirty per cent of people who are going to have a very comfortable standard of living in retirement. There's a small sliver who will have about a moderate standard of living, about eight or nine per cent of folk. There's around about thirty per cent who will enjoy what the Pensions UK call a basic standard of living and retirement, so it's not that great.
You might be able to, you know, eat out once a week, probably not run a car, or certainly any sort of modern car, not going on any foreign holidays, you know, but it's fairly basic, but you're covering the bills. But unfortunately, there's thirty-one percent, that twelve point two million that you mentioned, who aren't going to even have enough to reach that basic standard of living, so it's pretty polarised.
Speaker 1 - Robert Cochran 08:06
Yeah. I mean, looking year on year, you can see that the comfortable lifestyle just remained static, and that's probably partly because that cost of fuel doesn't impact them quite as much, right?
Speaker 2 - Pete Glancy 08:14
Yeah.
Speaker 1 - Robert Cochran 08:15
But down at the lower end, you're seeing that significant improvement, and in fact, in the minimum lifestyle, it's kind of all soaked up into that space, there isn't it? So, you know, good news there, you know, me, I like to have a bit of good news.
So, you then broke it down into a couple of other really interesting kind of cohorts, so you looked at projected outcomes, how they vary across different ethnicities, and this is something that we've come back to, not every year, I don't think, but you've done it periodically, and yeah, I always find it a really fascinating bit of the report. So, what did you take from that?
Speaker 2 - Pete Glancy 08:53
Yeah, there's a few things. I think, if you're looking at the ethnicities, it's not all purely about pensions, because we're asking people about the retirement plans, there are some communities who have more investments than say buy-to-let properties, they do quite well in terms of retirement, so it's not just all about pensions.
There are some communities that are more likely to, where both partners in a relationship have professional jobs, so they're quite highly paid. The white British community, you can see from the report, doesn't fare quite as well, but that's largely because the white British community are more likely to retire as individuals, higher divorce rates, and things like that.
So, if you're living in households with other people, you're spreading the household costs more broadly, so there's a lot more to it than just pensions and pension pot size.
Speaker 1 - Robert Cochran 09:36
Yes, yeah, and you know, if you look at, you know, the groups that have got the lowest amount, right?
You know, with less than a minimum, you're looking at the Indian, Pakistani kind of communities tend to be more likely to live in multi-generational households as well. So…
Speaker 2 - Pete Glancy 09:50
Yes, yeah.
Speaker 1 - Robert Cochran 09:51
Yeah. No, it's fascinating, and I would definitely recommend everyone to have a look at that. By the way, we're going to put the link to the report in the show notes anyway, so it's just a web link anyway.
So great. And then another one that was really interesting, where there's kind of a standout area, it was the geographical spread, right, so there's one area that looks significantly worse than everywhere else, I'm pretty sure I can guess why that is, but go on to tell us a bit about the geographical spread.
Speaker 2 - Pete Glancy 10:19
I think the geographical spread, it comes down to the correlation between having well-paid, full-time jobs and good retirement outcomes. If you're in a well-paid, full-time job with a good employer that has a generous pension scheme for most of your working life, those are the people are going to have the best retirement outcomes. And the areas of the country which have more of those good, well-paid, full-time jobs are the areas that do the best. You can see that London, for example, is quite polarised.
It's quite a lot of people in the top end, and it's got a lot of, a very large number of people in that bottom cohort. And you can see that with the London boroughs, there are some London boroughs that are just really affluent, and other London boroughs are amongst the poorest communities in the whole of the UK.
Speaker 1 - Robert Cochran 11:01
Yeah, and is property coming to that?
Speaker 2 - Pete Glancy 11:04
Property does come into that. If you are in one of those poorer boroughs, you're probably not going to be owning your house outright. You're going to be paying probably high private rents. You might be carrying a mortgage through, but probably a high private renter. And you know, in London, the average rent can be one hundred and twenty percent of the average pension income, so you're probably really relying on benefits, you know, and maybe having to work quite later on in life to try and make ends meet.
Speaker 1 - Robert Cochran 11:30
Yeah, so London's got the highest amount of people that are in that sector or below minimum, and that's I think what you're saying has a large part to do with sort of property, and they're right next door to the southeast, which is the lowest percentage of people across the group who are in that below minimum.
Speaker 2 - Pete Glancy 11:49
Yeah, lots of affluent towns and villages.
Speaker 1 - Robert Cochran 11:50
And equally, the highest number that are comfortable.
Speaker 2 - Pete Glancy 11:54
Yes, that correlation with high, well-paid jobs and people who own their houses predominantly.
Speaker 1 - Robert Cochran 11:58
Yeah, okay, so more really fascinating data that's sitting in there, and what about self-employed and part-time?
Speaker 2 - Pete Glancy 12:05
So, the self-employed and the part-time, they don't fare as well, but that's largely because they're more likely they're not included in auto-enrolment. The self-employed don't have an equivalent of autoenrolment, and because of the earnings trigger, people who are on lower wages may not be in autoenrolment if they have multiple part-time jobs, none of those jobs might have the trigger for autoenrolment, and even if their earnings do get them in, that they're getting a contribution that's based on a part-time wage rather than a well-paid full-time wage.
Speaker 1 - Robert Cochran 12:33
Just to put in figures in perspective here, full-time forty percent of people in full-time work are showing up here as comfortable, so the top-tier, for self-employed is only twenty-one percent, for part-time is only twenty-five So, there's a significant difference there, and that can account for quite a lot of the, I guess, the difference you see when you look at the overall averages. So, how come so many full-time people are sitting in that top sector and so few self-employed?
Speaker 2 - Pete Glancy 13:00
I think we hear this all the time around the pensions industry, but auto-enrolment has been a great policy success, and the industry has implemented it really well, as have employers. And in the main, people are being auto-enrolled, and they're remaining auto-enrolled, they've been defaulted into something that behavioural science said that they would, they would remain in, and that's turned out to be the case. We need something like that for the self-employed, and we need the earnings trigger to come down a little bit to include more part-time workers.
Speaker 1 - Robert Cochran 13:28
And talking about that, moving away from just looking at earnings, the groups who are struggling the most are those vulnerable people and those with poor health, they're almost twice as likely to have below minimum pension prospects. It ties into your findings about the unequal split here.
Speaker 2 - Pete Glancy 13:44
Yeah, so I mean, we find that, you know, around about forty percent of the population have come back through our research and saying that they have either a physical disability or a mental disability.
Speaker 1 - Robert Cochran 13:56
What number did you say that?
Speaker 2 - Pete Glancy 13:57
About forty percent.
Speaker 1 - Robert Cochran 13:58
Wow, okay.
Speaker 2 - Pete Glancy 13:58
And from last year's research, around about twenty percent of people were saying that they had a disability that was to the extent that was preventing them from either working or doing the type of work they'd ideally like to do.
So, when you're not able to work or do the type of work you want to do, obviously, you're not building up that pensions part. And again, from last year's work, we saw that the average person with a disability has costs of an extra eight-hundred pound a month when they're in retirement, so they have the downside of a smaller pension income and the double downside of higher costs in retirement when they get there.
Speaker 1 - Robert Cochran 14:31
Yeah, so it's really a kind of segment that needs some specific treatment.
Speaker 2 - Pete Glancy 14:35
Yeah.
Speaker 1 - Robert Cochran 14:35
Okay, and you've done a whole segment on modelling increased default pension contributions. Again, I have to say it renders beautifully in the web-based report with the animation, just the kind of data display I love. You've broken down this scenario by earnings bands and by age groups.
What were your key findings?
Speaker 2 - Pete Glancy 14:53
So, the key findings there were that if we were able to increase the statutory level of saving for employed people from this current eight percent up to twelve percent, we could reduce the proportion of people in retirement predicted to be in retirement poverty from that thirty-one percent figure that we talked about earlier, we could get that down to just thirteen percent.
Most of the remaining thirteen percent of the people that are outside of auto-enrolment, maybe come back to that in a second, but going from eight to twelve, we could get that headline from thirty-one percent down to just thirteen.
We also modelled, what if we didn't do on everybody's complete earnings? because you know if you do it on total earnings, that's expensive for businesses, it's expensive for households, it'd be expensive for the for HMRC.
If you just did the increase in the first fifty k of salary, you could get most of the way there, get that number down to just fourteen percent. But you would be introducing some complexity to auto-enrolment, which were the success of that is its simplicity. So, there's a question there in terms of which is the best way to go?
Speaker 1 - Robert Cochran 15:54
And you know, let's be fair, no government is ever going to be in a position where the country is just now cost of living challenges, and I can't see any time in the future, reasonably quickly where it's where a government's going to be able to say, okay, we're going to change this from eight to twelve percent and that'd be acceptable. Guy Opperman was on the podcast, a previous Pension Minister, and he said, there's just been absolutely zero appetite for doing that.
Speaker 2 - Pete Glancy 16:18
I think I think you're right. Politically, a government's not going to do that. We're not going to see it before the next general election, certainly. We have a pensions commission running in parliament parallel at the moment, and it's looking really long-term out into the second half of the century.
And what we probably need here is a very long-term roadmap that nudges the contribution levels up slowly, and it might be that there has to be some qualifying criteria, and I think they had this in Australia, that the contributions only nudge up in years where the economy is performing in a way that has the headroom to allow you to nudge the contributions up very slowly.
Speaker 1 - Robert Cochran 16:50
Yeah, brilliant. And the other thing that I have seen is some really big employers move people up from the lowest tier of contribution, so they might have a tier contribution structure, and they automatically move people up from minimum to medium, and then over the next few years move them up again, so they're getting a higher match contribution from their employer, and people have the right to opt down.
But the numbers who opt down are tiny, so within those kind of probably better paid work, but they're doing that on masse, and that's a way that employers can get behind delivering this for the scheme.
Speaker 2 - Pete Glancy 17:21
Those employers are doing a fantastic job. You could argue that we maybe have an imbalance, and that nationally we've got too much emphasis on wages for today, your pay packet, and not enough emphasis on wages for tomorrow, your pension pot. And I think those employers are leading the way and doing a fantastic job. So, congratulations to them.
Speaker 1 - Robert Cochran 17:38
Yeah, maybe, maybe one for the unions to think about.
And then we've got the section on living for today versus saving for tomorrow. Kind of what you were talking about there, and it was a section I was delighted to add some commentary and colour to this bit of the report, and some of this research really speaks to the richness of the data and understanding the different cohorts in society.
I mentioned the good news, we both kind of mentioned the good news about the fall in pensions poverty, but the section really brings about the fragility of how this has been achieved. So, you mentioned particularly around the energy costs.
So, for a single retiree on the minimum retirement lifestyle, the fall in weekly energy costs from thirty three quid a week in 2023 to twenty-four quid a week in 2024, so was that a nine quid fall? It accounts for half the projected fall in pension poverty, and it was like when I saw that level of detail breakdown, all that improvement could potentially just be wiped out by a prolonged war than Middle East and rising fuel costs. It's a pretty fragile improvement.
Speaker 2 - Pete Glancy 18:41
It is. And if we're going to solve retirement poverty in the future, we can't just think solely about pension pots. We need to have a long-term plan that says, “How are we going to get people's living costs, particularly for older people and people in lower earnings, into a better place?”
Speaker 1 - Robert Cochran 18:55
Yeah, and it also looks at how the pressure on day-to-day living costs makes it tricky to save and adds to stress, and there was a split here where just over half saying that saving for retirement gives them peace of mind for the future, but then just under half saving that saving for retirement makes them feel more stressed about money today. So, you've kind of got that paradox going on there.
Speaker 2 - Pete Glancy 19:16
I think it's correlated with people's affluence and wealth, the people that have the headroom to save have got the peace of mind that they're doing the right thing in the long-term. Whereas the people that don't have the headroom to save, they can't make ends meet, they're really worried about, you know, can they, you know, pay the electricity bills at the end of the month, so it's tough.
Speaker 1 - Robert Cochran 19:35
And for those that are struggling, you know, some of them say this translates into action with one in ten said they'd reduced what they were saving in the last twelve months due to financial pressures, with a further thirteen percent saying that they had done so, but more than twelve months ago. I mean, but there is some good news that most people haven't found themselves in this position, where they do, they find it hard to start saving again, and this is particularly difficult for vulnerable people.
And the detail in the report shows that individuals with a vulnerability are only half as likely to get back to saving the same amount once they reduce their retirement savings. So there's a recurring theme here about that cohort of the population really struggling.
I looked at the Scottish Widows pension figures, and the government published figures about people opting out or reducing contributions to pension schemes, and the numbers are still reassuringly low, but most likely hyper-focused on those people with vulnerabilities. So, again, that cohorts would be really effective, and that kind of brings me on to the final sections. I mean, there's probably a good bit of a correlation with vulnerabilities in health, so you've got a new section around health saving retirement.
What was behind this been added in?
Speaker 2 - Pete Glancy 20:46
Well, we know that people have got longer working lives, but people's healthy working lives - they're not improving. People are going into retirement increasingly with ailments, and those ailments give rise to higher costs.
People approaching retirement in their fifties, early sixties, that left the labour market due to ailments and poorer health, they're finding it much harder to get back in again.
So, a lot of the work we do in the industry, when we're doing all these sorts of projections, we're assuming that people are making pension contributions for forty years, but just very roughly, when you look at the fact that young people can't get onto the labour market, people in their fifties and early sixties can't get back into the labour market, women are taking a lot of time out for caring duties with children and relatives.
You're probably closer to an average working life of thirty years. So, we need to be helping people have a much longer working career with good employers where they're making good pension contributions. And yeah, the people that are struggling with their wellbeing are just finding it harder and harder to get those good, well-paid jobs.
Speaker 1 - Robert Cochran 21:48
Yeah, your snowball is not going to be as big if it's only thirty years.
Speaker 2 - Pete Glancy 21:51
No, it stopped, it's hitting a bump halfway down the hill, and it's not getting any bigger. Yeah.
Speaker 1 - Robert Cochran 21:55
Don't fancy that. Okay, so finally, what are the report’s recommendations, or what can be done to offer a deeper level of safety net for those most in need?
Speaker 2 - Pete Glancy 22:05
Well, we're trying to keep it simple and plain English, because we'd like the whole country to understand what needs to be done.
If we break it up to employed people and self-employed people, to start with. Auto-enrolments working well in terms of employers have got this up and running, most employees are in, but eight percent isn't enough. If we can get eight percent up to twelve percent it really brings down the number of people who will be facing retirement poverty from thirty-one percent to thirteen.
Most of the remaining thirteen percent are the self-employed. There's about four and a half million of them. If we can create an equivalent of auto-enrolment for the self-employed, will get rid of most of that remaining thirteen percent.
Speaker 1 - Robert Cochran 22:44
And do you have a vision of how that would work for people who don't get regular salaries?
Speaker 2 - Pete Glancy 22:49
Yeah, so we actually did some prototyping with the self-employed last year, working with our colleagues on the retail banking side of the business, because these folks have bank accounts, some people have a dedicated bank account to run their business. Many of them have their personal banking and the business banking intertwined when you're self-employed. And we modelled a proposition that had a lot of flexibility.
So, a bank account, a saving an investment account with short-term access, and a longer-term pension, and we looked at how they might interact together. But the self-employed need more flexibility on the way in and the way out, because often they don't know how much they can put away for the future till they've done their VAT returns and their corporation tax at the end of the year.
And because their personal business finances are more intertwined, they could have bigger calls on capital in the shorter term than an unemployed person is likely to do, so we need to concentrate on both of those things.
The third big recommendation that we have is that even if government and the Pensions Commission were successful in getting those contribution rates up and building an equivalent of auto-enrolment for the self-employed, it's going to be many decades to execute that, and then for it to work right through a full working life for people.
So for many decades to come, we're going to be in a situation where people, primarily in the private sector, won't have enough in their pension fund, but millions of people will have enough when you look at their other savings or investments, and in particular the equity in their homes, and it might be we have to think more holistically and more radically about how we look at all of the assets at people's disposal to help them get through retirement.
Unfortunately, for some people who don't have other assets on top of their pension, we will have to have conversations about them working for longer and about benefits that they might be entitled to.
Speaker 1 - Robert Cochran 24:34
Okay, brill. Was there anything else from the report that we haven't brought out here that you'd want to just highlight?
Speaker 2 - Pete Glancy 24:42
Just to really tee up that we've got a phase two coming shortly with some interesting areas that we haven't explored before. Artificial intelligence, decumulation, very topical.
Speaker 1 - Robert Cochran 24:51
Artificial intelligence, what you're doing about that? Tell me.
Speaker 2 - Pete Glancy 24:53
Oh, well, we're this is a this is a sort of perception survey, if you like. We're asking the public about what they see, you know what they see, what they're worried about, what help they need. And then we're taking the data that they've shared with us to then draw our conclusions, but we've not quite worked through all of the data as yet, so I can't, I can't give you a heads up on the findings. Just the fact that it's a very interesting area for us to be exploring, so.
Speaker 1 - Robert Cochran 25:15
And you've seen that might come out in June?
Speaker 2 - Pete Glancy 25:16
We're hoping to do that later in June.
Speaker 1 - Robert Cochran 25:18
Whoa.
Speaker 2 - Pete Glancy 25:18
It's going to be a tough job to get through all of the data and do the analysis, and then write up the report, but that's our target.
Speaker 1 - Robert Cochran 25:25
Okay, cool. I'm looking forward to that. Right. Well, Pete, always brilliant to have you in the pod. Love the insight here. And yeah, just a big thank you for coming on. And will you come on...
Speaker 2 - Pete Glancy 25:35
Very welcome. We enjoyed it.
Speaker 1 - Robert Cochran 25:36
Will you come on when you got part two out in June?
Speaker 2 - Pete Glancy 25:39
If you invite me back, Robert. I'll come back with part two.
Speaker 1 - Robert Cochran 25:41
We'll have you back. Okay, Brill. Looking forward to that. As I say, good to have you on the pod again.
But for now, thanks Pete, and thanks to you all for listening.
We've included the link to the retirement report in the show notes, so dive into the details there. It's really well set out and easy to navigate, and of course you can watch a five-minute video of Pete bringing it all to life for you with new hand actions and imagery that he's created.
Final things. Thank you all for listening. If you enjoyed this one, we'd love you to subscribe to our podcast channel. There's more than forty podcasts available now on all aspects of workplace pensions, and one or two will be released each month. That's all for now. Thanks again for listening. Until next time.
