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Occupational pension schemes: prospects and reforms in the UK

  • Richard Disney

    ()

    (Institute for Fiscal Studies and University of Nottingham)

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    Private pensions seem likely to provide the dominant source of income for the majority of retired workers in the future. New private pension instruments developed since 1986, notably personal pensions, have proved popular, but concern as to ‘overselling’ of personal pensions and as to the risks associated with the ‘money purchase’ form of pension provision is frequently voiced by commentators. For many people, rightly or wrongly, the ‘traditional’ finalsalary- based occupational pension remains the bench-mark for private pension provision in the UK. Nevertheless, recent trends, most notably the growth of alternatives to final- salary-based arrangements and a shift in attitudes towards pension provision among employers, suggest that the occupational pension sector will undergo significant changes in the future.

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    File URL: http://www.ifs.org.uk/fs/articles/fsdisney2.pdf
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    Article provided by Institute for Fiscal Studies in its journal Fiscal Studies.

    Volume (Year): 16 (1995)
    Issue (Month): 3 (September)
    Pages: 19-39

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    Handle: RePEc:ifs:fistud:v:16:y:1995:i:3:p:19-39
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    1. Eric M. Engen & William G. Gale & John Karl Scholz, 1994. "Do Saving Incentives Work?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 25(1), pages 85-180.
    2. Agar Brugiavini & Richard Disney, 1995. "The choice of private pension plans under uncertainty," IFS Working Papers W95/05, Institute for Fiscal Studies.
    3. Stuart Dorsey, 1995. "Pension portability and labor market efficiency: A survey of the literature," Industrial and Labor Relations Review, ILR Review, Cornell University, ILR School, vol. 48(2), pages 276-292, January.
    4. Zvi Bodie & John B. Shoven, 1983. "Financial Aspects of the United States Pension System," NBER Books, National Bureau of Economic Research, Inc, number bodi83-1, October.
    5. Dilnot, Andrew & Disney, Richard & Johnson, Paul & Whitehouse, Edward, 1994. "Pensions policy in the UK: An economic analysis," MPRA Paper 10478, University Library of Munich, Germany.
    6. Bodie, Zvi, 1990. "Pensions as Retirement Income Insurance," Journal of Economic Literature, American Economic Association, vol. 28(1), pages 28-49, March.
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