Reports and Briefing Notes

Pensions Adequacy: Housing, Households and Auto-Enrolment

A new report commissioned by the ABI following a competitive tender process, which the Pensions Policy Institute were successful in securing. 

Published on Thursday 09 July 2026. This report builds on the evidence presented in the Pensions Commission’s Interim Report (2026), exploring how housing tenure, household composition and pension saving interact to shape retirement outcomes. Through new modelling and analysis, it highlights the interconnected challenges of rising housing costs in retirement, financial vulnerability within different household structures and the strengths and limitations of the current automatic enrolment system. The findings identify where existing policy may be falling short and where targeted reforms could have the greatest impact, and for whom, particularly for lower-income workers and renters.