Pension freedoms, budget analysis and auto-enrolment

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A picture of three older entrepreneurs to illustrate pension feedoms

Financial planning in association with Scottish Widows banner

How are savers responding to the new pensions freedoms introduced by the government, where can they get advice and what part do employers play in this changing landscape? Expert articles explore the issue

Pensions freedoms

Download the PDF Roundtable – Pensions freedoms or read online here

Summer 2015 Budget analysis

Following the Summer 2015 Budget, Scottish Widows highlighted the key changes that could affect you and your employees.

Summer 2015 Budget analysis


Legislative updates

These legislative updates from Scottish Widows help to keep you informed about recent changes to pensions law, regulation and guidance. These changes may affect you, your pension scheme or your scheme members.

Legislative update – February 2014

Legislative update – May 2014

Legislative update – August 2014

Legislative update – November 2014

Legislative update – February 2015

Keeping up to date on these changes from time to time can help you when reviewing your pension arrangements. This will allow you to be confident that your pension scheme will continue to meet your needs and is capable of delivering value for money and a good outcome for your employees.


Workplace pensions reform

Automatic enrolment – employer information


Automatic enrolment – employer considerations

To help you prepare your business for Automatic Enrolment, Scottish Widows have brought together some of our learnings and experiences from employers who have already automatically enrolled their employees.

Automatic enrolment – employer considerations


Automatic enrolment factsheets

Automatic enrolment factsheet 1 – Pay reference periods

Automatic enrolment factsheet 2 – Opting out

Automatic enrolment factsheet 3 – Postponement

Automatic enrolment factsheet 4 – Alternative contribution bases

Automatic enrolment factsheet 5 – Using salary exchange with automatic enrolment

Automatic enrolment factsheet 6 – Groups of companies

Automatic enrolment factsheet 7 – Workers

Automatic enrolment factsheet 8 – Opting in and joining

Automatic enrolment factsheet 9 – Assessing workers

Automatic enrolment factsheet 10 – Re-enrolment

About author

Director magazine

Director magazine

Director is the magazine for business leaders. Free to IoD members and available to purchase through subscription, each edition is full of insightful interviews with entrepreneurs and company directors.

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