This is the third and final output of the Evolving Retirement series, which also includes:

1. The evolving retirement landscape, which explored the way that retirement income decisions, savings and assets have evolved in recent years, particularly since the introduction of pension freedoms; and
2. Evolving retirement outcomes, which looked at the range of potential outcomes that may be achieved through different retirement income decisions, and the changes that may need to occur within the industry and wider pensions landscape in order to ensure that these outcomes are positive for as many people as possible.

The Evolving Retirement Series is sponsored by a consortium including AXA Investment Managers, the Association of British Insurers (ABI), Department for Work and Pensions (DWP), Legal & General, NEST, Prudential, The Pensions Regulator (TPR) and WEALTH at Work. Sponsorship has been given to help fund the research, and does not necessarily imply agreement with, or support for, the analysis or findings from the project.