One thing everyone can agree on is that the pensions policy landscape is complicated; and the complexity is hindering people’s ability to engage with it.

In our manifesto, we argue that to increase the nation’s financial resilience and to expand pensions engagement, government needs a long-term strategy built on consensus, with saver outcomes at the centre of policy decisions.

Doing so will also mean a significantly larger pool of capital that can be invested in assets that can generate growth and help to deliver on our climate targets.

This strategy should include plans to solve the problem of inadequate retirement savings.

The successes of automatic enrolment should be expanded on, and we support the implementation of the 2017 recommendations.

The advice/guidance boundary review should continue, with a goal to ensure customers can get better support when making financial decisions.

Pension decumulation should remain a key focus of that review, as it will be for Department for Work and Pensions and The Pensions Regulator policymakers implementing the duty on trustees to provide decumulation products and services to their membership.

Successfully delivering the value for money framework can drive better outcomes for savers in DC defaults, but government must be cautious to avoid unintended consequences.

Pensions dashboards will play a major role in reconnecting members with their savings and the final rules should enable customers to take meaningful actions within post-view services to maximise the potential of this initiative.

This list barely scratches the surface of change required, but no one said changing pensions would be easy.

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