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From: "Workplace Journal" <newsletter@workplacejournal.co.uk>
To: <bob@sarahharvey.com>
Subject: Half of pension savers prioritise guaranteed income over flexibility, research reveals
Date: Mon, 28 Jul 2025 17:22:04 +0100
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37% did not feel confident they could cover unexpected emergencies, while
33% said they had no disposable income left each month.
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Half of pension savers prioritise guaranteed income over flexibility,
research reveals
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The survey looked at people aged 40 to 75 and found that 46% said guaranteed
income was the most important thing for their pension to provide.
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F=20
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=C2=AD =C2=AD =C2=AD =C2=AD=20
</td>
<td align=3D"right" style=3D"font-family: =
'Inter', sans-serif; color: #111111; font-size: 12px; line-height: =
18px;">
<a style=3D"color: #111111; font-weight: =
normal; font-style: normal; text-decoration: underline;" =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTA5ODc3NjU2MjYsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiI5NzEyNzhiMzFkZmE5NTJiIn0" data-link-id=3D"161186750987765626" =
data-link-type=3D"webview">View in browser</a>
</td>
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<tr>
<td colspan=3D"2" height=3D"20" =
style=3D"line-height: 20px;"></td>
</tr>
</table>
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</td>
</tr>
</table>
<table width=3D"640" class=3D"wrapper" =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"
max-width: 640px;
border:1px solid #EAECED;
border-radius:8px; border-collapse: =
separate!important; overflow: hidden;
">
<tr>
<td align=3D"center">
=20
<!-- -->
<table class=3D"ml-default" width=3D"100%" bgcolor border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tr>
<td style>
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<table class=3D"container ml-4 ml-default-border" =
width=3D"640" bgcolor=3D"#ffffff" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" style=3D"
width: 640px; min-width: 640px;
;
=20
">
<tr>
<td class=3D"ml-default-border container" =
height=3D"10" style=3D"line-height: 10px; min-width: 640px;"></td>
</tr>
<tr>
<td>
=20
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<table align=3D"center" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tr>
<td class=3D"row mobile-center" align=3D"center" =
style=3D"padding: 0 50px;">
=20
=20
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwMDI0NDU2OTMsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJhZTcwNjFkNDMxZjZjZDg1In0" target=3D"_blank" =
style=3D"text-decoration: none;" data-link-id=3D"161186751002445693">
<img =
src=3D"https://storage.mlcdn.com/account_image/927895/PZ5mUEbzM4z64pGj9RB=
mg00jPVyK84LBvoNel9YN.png" border=3D"0" alt width=3D"242.37623762376236" =
class=3D"logo" style=3D"max-width: 242.37623762376236px; display: =
inline-block;">
</a>
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<tr>
<td height=3D"25" style=3D"line-height: 25px;"></td>
</tr>
=20
<tr>
<td class=3D"row mobile-center" style=3D"padding: 0 50px;" =
align=3D"center">
=20
=20
<table class=3D"menu mobile-mx-auto" width cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0">
<tr>
=20
</tr>
</table>
</td>
</tr>
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</table>
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</td>
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</table>
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</td>
</tr>
</table>
<!-- -->
<!-- -->
<table class=3D"ml-default" width=3D"100%" bgcolor border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tr>
<td style>
=20
=20
=20
=20
=20
<table class=3D"container ml-6 ml-default-border" =
width=3D"640" bgcolor=3D"#ffffff" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" style=3D"color: #515856; width: =
640px; min-width: 640px;">
<tr>
<td class=3D"ml-default-border container" =
height=3D"40" style=3D"line-height: 40px; min-width: 640px;"></td>
</tr>
<tr>
<td class=3D"row" style=3D"padding: 0 50px;">
=20
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<table role=3D"presentation" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" data-debug=3D"rss_table">
<tr>
<td align=3D"center" class=3D"rss-items-container-6">
=20
=20
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<table class=3D"col " width=3D"100%" =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0">
<tr>
<td>
=20
<h3 style=3D"font-family: 'Inter', =
sans-serif; color: #000000; font-size: 24px; line-height: 125%; =
font-weight: bold; font-style: normal; text-decoration: none; =
;margin-bottom: 10px; margin-bottom: 0; text-align: left;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwMTE4ODI4NzksXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJhNmFlOWMzYjUwMWQ1ZDI5In0" style=3D"color: #000000; font-weight: =
bold; font-style: normal; text-decoration: none;" =
data-link-id=3D"161186751011882879">Linear careers not only =E2=80=9Can =
anachronism,=E2=80=9D never existed for women in the first place =
=E2=80=93 The Pivot</a></h3>
</td>
</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
=20
=20
<tr>
<td id=3D"content-9" align=3D"center" =
class=3D"excerpts" style=3D"text-align: left">
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwMjEzMjAwNjUsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiIyM2E3YTJmOGUxMjhlMzIyIn0" target=3D"_blank" =
style=3D"text-decoration: none; padding-bottom: 20px;" =
data-link-id=3D"161186751021320065">
<img border=3D"0" alt=3D"Linear =
careers not only =E2=80=9Can anachronism,=E2=80=9D never existed for =
women in the first place =E2=80=93 The Pivot" width=3D"540" =
class=3D"img" =
src=3D"https://workplacejournal.co.uk/wp-content/uploads/2025/01/working-=
workplace-office-desks-480x384.jpeg" style=3D"height: auto; =
margin-bottom: 10px; float: none; width: 540px; padding-left: 0; =
padding-right: 0; display: block;">
</a>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;">Speaking at the first of a series of =
events combining networking, workshops and fire-side chats, Rachael =
Twumasi-Corson and Natasha Bird examined changing career =
trajectories.</p>
</td>
=20
=20
</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
<tr style=3D"text-align: left">
<td>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwMjk3MDg2NzgsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiIzOTcwMDgyMDZiODdiYzYxIn0" style=3D"color: #2CB191; font-weight: =
normal; font-style: normal; text-decoration: underline;" =
data-link-id=3D"161186751029708678">Read more</a></p>
</td>
</tr>
</table>
=20
=20
<table width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tr>
<td height=3D"30" style=3D"line-height: =
30px;"></td>
</tr>
<tr>
<td height=3D"30" style=3D"line-height: =
30px; border-top: 1px solid #EAECED; line-height: 1px;"></td>
</tr>
</table>
=20
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<table class=3D"col " width=3D"100%" =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0">
<tr>
<td>
=20
<h3 style=3D"font-family: 'Inter', =
sans-serif; color: #000000; font-size: 24px; line-height: 125%; =
font-weight: bold; font-style: normal; text-decoration: none; =
;margin-bottom: 10px; margin-bottom: 0; text-align: left;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwMzgwOTcyOTAsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiIyZTgzZDQ4OTFjYzk0YjNiIn0" style=3D"color: #000000; font-weight: =
bold; font-style: normal; text-decoration: none;" =
data-link-id=3D"161186751038097290">A quarter of workers doubt they will =
ever be financially independent =E2=80=93 Scottish Widows</a></h3>
</td>
</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
=20
=20
<tr>
<td id=3D"content-11" align=3D"center" =
class=3D"excerpts" style=3D"text-align: left">
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwNDc1MzQ0NzcsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiIyYjViYjFlMWQ0NDYyY2U1In0" target=3D"_blank" =
style=3D"text-decoration: none; padding-bottom: 20px;" =
data-link-id=3D"161186751047534477">
<img border=3D"0" alt=3D"A =
quarter of workers doubt they will ever be financially independent =
=E2=80=93 Scottish Widows" width=3D"540" class=3D"img" =
src=3D"https://workplacejournal.co.uk/wp-content/uploads/2023/01/AdobeSto=
ck_228722774.jpeg" style=3D"height: auto; margin-bottom: 10px; float: =
none; width: 540px; padding-left: 0; padding-right: 0; display: block;">
</a>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;">37% did not feel confident they could =
cover unexpected emergencies, while 33% said they had no disposable =
income left each month. </p>
</td>
=20
=20
</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
<tr style=3D"text-align: left">
<td>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwNTU5MjMwODksXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJhYjVhODg1MjRlOGE4OThlIn0" style=3D"color: #2CB191; font-weight: =
normal; font-style: normal; text-decoration: underline;" =
data-link-id=3D"161186751055923089">Read more</a></p>
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<table class=3D"col " width=3D"100%" =
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<h3 style=3D"font-family: 'Inter', =
sans-serif; color: #000000; font-size: 24px; line-height: 125%; =
font-weight: bold; font-style: normal; text-decoration: none; =
;margin-bottom: 10px; margin-bottom: 0; text-align: left;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwNjQzMTE3MDQsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiIyNmExNjJhODQxZGI0OWZkIn0" style=3D"color: #000000; font-weight: =
bold; font-style: normal; text-decoration: none;" =
data-link-id=3D"161186751064311704">Half of pension savers prioritise =
guaranteed income over flexibility, research reveals</a></h3>
</td>
</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
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<tr>
<td id=3D"content-13" align=3D"center" =
class=3D"excerpts" style=3D"text-align: left">
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwNzI3MDAzMTUsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJiNWY3ODkxOTcyNDQzMzUwIn0" target=3D"_blank" =
style=3D"text-decoration: none; padding-bottom: 20px;" =
data-link-id=3D"161186751072700315">
<img border=3D"0" alt=3D"Half of =
pension savers prioritise guaranteed income over flexibility, research =
reveals" width=3D"540" class=3D"img" =
src=3D"https://workplacejournal.co.uk/wp-content/uploads/2023/12/AdobeSto=
ck_78887587.jpeg" style=3D"height: auto; margin-bottom: 10px; float: =
none; width: 540px; padding-left: 0; padding-right: 0; display: block;">
</a>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;">The survey looked at people aged 40 to =
75 and found that 46% said guaranteed income was the most important =
thing for their pension to provide. </p>
</td>
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</tr>
<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
</tr>
<tr style=3D"text-align: left">
<td>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwODEwODg5MjksXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
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normal; font-style: normal; text-decoration: underline;" =
data-link-id=3D"161186751081088929">Read more</a></p>
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30px; border-top: 1px solid #EAECED; line-height: 1px;"></td>
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<h3 style=3D"font-family: 'Inter', =
sans-serif; color: #000000; font-size: 24px; line-height: 125%; =
font-weight: bold; font-style: normal; text-decoration: none; =
;margin-bottom: 10px; margin-bottom: 0; text-align: left;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwODg0Mjg5NjQsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJiODgwOWFlZjAwNzNkYjEyIn0" style=3D"color: #000000; font-weight: =
bold; font-style: normal; text-decoration: none;" =
data-link-id=3D"161186751088428964">British Business Bank hits =
=C2=A32.5bn milestone under Growth Guarantee Scheme</a></h3>
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<td height=3D"12" style=3D"line-height: =
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<td id=3D"content-15" align=3D"center" =
class=3D"excerpts" style=3D"text-align: left">
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTEwOTc4NjYxNTQsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiI5NWQ4ZDVhY2I5NzY4NTZiIn0" target=3D"_blank" =
style=3D"text-decoration: none; padding-bottom: 20px;" =
data-link-id=3D"161186751097866154">
<img border=3D"0" alt=3D"British =
Business Bank hits =C2=A32.5bn milestone under Growth Guarantee Scheme" =
width=3D"540" class=3D"img" =
src=3D"https://workplacejournal.co.uk/wp-content/uploads/2025/04/British-=
Business-Bank-480x384.jpeg" style=3D"height: auto; margin-bottom: 10px; =
float: none; width: 540px; padding-left: 0; padding-right: 0; display: =
block;">
</a>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;">The Growth Guarantee Scheme has =
reached =C2=A32.5bn in lending, with nearly 70% of funding delivered =
outside London and the South East.</p>
</td>
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<td height=3D"12" style=3D"line-height: =
12px"></td>
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<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
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iOiI1NzY3Y2EzMGUwMGI3MjQ2In0" style=3D"color: #2CB191; font-weight: =
normal; font-style: normal; text-decoration: underline;" =
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<h3 style=3D"font-family: 'Inter', =
sans-serif; color: #000000; font-size: 24px; line-height: 125%; =
font-weight: bold; font-style: normal; text-decoration: none; =
;margin-bottom: 10px; margin-bottom: 0; text-align: left;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
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data-link-id=3D"161186751114643378">Peter Vardy launches global tech and =
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class=3D"excerpts" style=3D"text-align: left">
<a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTExMjMwMzE5ODksXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiI5YmZmYmI5YTk4ODEzZTc3In0" target=3D"_blank" =
style=3D"text-decoration: none; padding-bottom: 20px;" =
data-link-id=3D"161186751123031989">
<img border=3D"0" alt=3D"Peter =
Vardy launches global tech and investment group focused on mobility and =
fintech" width=3D"540" class=3D"img" =
src=3D"https://workplacejournal.co.uk/wp-content/uploads/2025/07/Peter-Va=
rdy-480x384.jpg" style=3D"height: auto; margin-bottom: 10px; float: =
none; width: 540px; padding-left: 0; padding-right: 0; display: block;">
</a>
<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;">Peter Vardy has launched a new =
venture, Peter Vardy Global, focused on automotive SaaS, mobility =
innovation and fintech investment.</p>
</td>
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<tr>
<td height=3D"12" style=3D"line-height: =
12px"></td>
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<p style=3D"font-family: 'Inter', =
sans-serif; color: #515856; font-size: 14px; line-height: 150%; =
margin-top: 0; margin-bottom: 0;"><a =
href=3D"https://wvxwmx.clicks.mlsend.com/ty/cl/eyJ2Ijoie1wiYVwiOjkyNzg5NS=
xcImxcIjoxNjExODY3NTExMzI0NjkxNzcsXCJyXCI6MTYxMTg2NzYzNjUwMzY4NTMxfSIsInM=
iOiJmMzIzZDAwMmVhNThjYzRmIn0" style=3D"color: #2CB191; font-weight: =
normal; font-style: normal; text-decoration: underline;" =
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Astor Media
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