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Pensions Bill

I note that the noble Lord referred to people who were likely to be a significant part of that group. We would need evidence for that. Clearly, there must be good-quality information to all jobholders, not just those who are aged 50 or over. The issue is what further needs to be provided. We believe that the right approach is to ensure that broader advice is available, covering debt, pensions and financial issues generally. Part of the information flows might signpost people to that extra provision of advice, but we do not think that making that broader provision around financial capability and specific groups a precursor to being able to auto-enrol is the right way to go. Of course there must be good-quality, relevant information for everyone, to inform them and help them to understand the proposition—the benefits and risks—of auto-enrolment. When one strays into the issue of advice, however, one should recognise that it should be made available by the group of stakeholders of organisations that do a brilliant job at the moment in supporting people. That should be the proposition. To tie it up in the way proposed by the amendment is not the right way to go.