Pensions - Articles - Guided retirement and targeted support a turning point

 Kim Nash, Managing Director of ZEDRA Governance, said: “Too many savers approach retirement with insufficient income and are left to navigate complex decisions on their own. Guided retirement, combined with targeted support, presents a real opportunity to change that. By creating simple relatable pathways and offering a safe default where members do not actively choose, trustees and providers can play a vital role in helping savers achieve more secure and sustainable outcomes.

 “The challenge will be to balance choice and protection. Members have unique needs, but they also need confidence that their scheme will support them if they don’t know what to do. Getting this right will require product innovation and investment design, thoughtful use of data to segment members, and a blend of digital and human support. Trustees will have a central role to play in setting the frameworks that make this work.”

 “Guided retirement and targeted support are not just about compliance; they are tools to reimagine the retirement journey. Trustees, providers, and regulators must seize this moment to collaborate. Together we can build solutions that support members need for lifelong income and give members the confidence to plan their retirement with clarity.”