People want to save ( 82% of people like to feel in control of their finances). Current earnings NOT a factor in decision-making. Visualisation of the future (30%) and regularly viewing expenses (26%) motivated mid-lifers most to take their pensions more seriously. Life events are good engagement prompts. People are neutral on opt-in generally ( 77% of employees have a pension because of it) but are negative about changing contribution amount. Short term budgeting regularly affects plans to save. Young people often in more precarious financial situations; but even small contributions can make a big difference. BUT people don’t feel they are in control (only 18% in same survey). Opting in makes people feel like pensions are the company’s responsibility. Women are more concerned about pensions savings then men ( 82% women reported low/ no ownership vs 65% of men). NOT IN OUR CONTROL PENSIONS COMMUNICATIONS HAVE TO TAKE IN A RANGE OF FACTORS. LEAN INTO THE MOTIVATORS WE ARE SAVERS THINKING LONGER TERM EVERY LITTLE HELPS NOT ABOUT THE MONEY IT’S NOT ME. IT’S YOU. GENDER SPLIT TAP INTO LIFE EVENTS HARD TO CHANGE HABITS