- 30 July 2026
Balancing pensions and property: what scheme design can do
- INSTITUTIONAL INVESTORS
- PDF Download
- 02.06.26
Many younger employees today are facing a difficult balancing act. They're balancing saving for retirement, building a deposit for a home and managing day-to-day costs. For many, improving one means compromising on another.
For employers, this presents both a challenge and an opportunity, as pension scheme design can influence how employees navigate these trade-offs.
Our latest publication explores how scheme design can support members balancing these competing priorities. It highlights that:
- contribution levels can influence how quickly members get onto the housing ladder;
- different savings approaches can lead to materially different financial outcomes;
- more flexible scheme design can help members balance competing priorities more effectively.
We set out how employers can use contribution design and modelling to better support members' financial goals.
Download the full publication today.






