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Pensions Bill

I am not saying that. Of course there will be people for whom it will not pay to save. The proposition is about trying to describe a group with broad characteristics about which you could say, ““That group in aggregate is unlikely to benefit from saving with our pension scheme””. However, we cannot have a broad-brush approach that people who reach the age of 50 are potentially in a group that may not benefit from saving, as there is no evidence for that. We need to do further work. The proposition that we must target this group with this particular service and that members of the group cannot be auto-enrolled before they have been offered it is not the right way to go.