Estimating Lifetime Pension Savings

Anna Rue

I personally guarantee that we will honestly and decently do our job!

PPG and Magenta Advisory were commissioned by a digital services firm to assess the impact of a proposed regulation limiting the retirement savings fund options that new employees could be shown when onboarding for a new job.

Key findings:

Our analysis revealed that:

An individual worker stuck in a low-performing, high-fee fund could retire with some $600,000 less in savings
Collectively, workers could forgo $1.05 billion in retirement savings.

Evidence Base

Our research revealed that restricting pension fund options at onboarding would:

1. Reinforce status quo bias and discourage active fund selection
2. Increase retention rates in low-performing, high-fee funds
3. Perpetuate outdated or mismatched insurance coverage, and
4. Reduce competitive pressure and limit industry innovation

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Estimating Lifetime Pension Savings

Estimating Lifetime Pension Savings

Anna Rue

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