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Pensions Bill

I shall try to be more expansive on that. A range of work is going on, including the workshop set in train by the department, which the noble Lord attended. It is an interesting process to try better to understand issues around savings incentives. It is hoped that there will be a report on that at the end of the year. Other work is going on; part of PADA’s role will be to focus on the sort of information that job holders who will potentially be auto-enrolled will need. That is part of the process. There is ongoing engagement by the DWP with stakeholders who are involved in the workshops. So work is going on around this whole area better to understand savings incentives and related issues. None of that negates what we clearly know: that overwhelmingly it will be beneficial for people to save via pensions arrangements involving employer contributions, tax relief and give people a chance to build their replacement income when they retire. We know that already. We need to build on that with more information, but we have not identified particular groups or said that it will not be beneficial for people who fit certain characteristics to save.