NEST

There is still no available guidance for trustees on how to incorporate cyber security risks in their investment and stewardship processes, according to NEST.

The NEST members’ panel is calling on the government to start reducing the £10,000 auto-enrolment (AE) earnings threshold, before the move to start contributions from the first pound earned.

Waiting for the mid-2020s to allow AE members to save from the first pound means they will miss out on big boosts to retirement pots, says Nigel Stanley.

While private credit mandates may not be straightforward to set up, they are a reliable source of income with lower default risk, says Mark Fawcett.

The number of members to have ever used NEST rose by 28% over the 2018/19 fiscal year to 31 March, according to its research arm, NEST Insight.

AE has successfully brought millions of people into pension savings. But, as Kim Kaveh writes, it is far from perfect.

Three-quarters of self-employed workers agree it is important to save for retirement, and more than half want help with it, according to NEST.

NEST has allocated 5% of assets to private credit and announced its two fund managers for this area. Holly Roach looks at how the provider is leading the way for other schemes

Across the industry, two key discussions are dominating the landscape: ESG and DC investment. Getting the approach to both of these right is vital, says Jonathan Stapleton.

Female members of NEST are three times more likely than men to be under the auto-enrolment (AE) eligibility threshold, but exhibit equal savings behaviour, the provider has found.