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One in six (16.5%) employees will opt out when they are auto enrolled into a workplace pension scheme. More than double (48.4%) are unsure - and a third (35%) will not practice the option to take themselves out of the pension set up.

Older workers are the most likely to opt out after being automatically enrolled into a workplace pension scheme.　Inertia is more likely to keep part time workers in the scheme. 　And although some workers may be uncertain of whether or not they will opt out, they are likely however to be certain that they want to be able to choose the pension structure.

Over three quarters (78.7%) of those who initially opt out will opt out again three years later when they are automatically re-enrolled.

And although similar proportions of women and men claim they will opt out if automatically enrolled into a workplace pension scheme, a greater number of men will opt out again when they are enrolled back into the scheme three years later.


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Latest Research

CoreData Research  offers a large variety of reports:

Buyer Behaviour 2013

May 2013

An analysis of buyer behaviour in the insurance and mortgage markets is useful to ensure that companies can efficiently capture consumers’ attention, and are still meeting their needs in light of recent market changes. This report looks at the insurance and mortgage markets, and aims to better understand consumer behaviour in these markets to provide insight which can be used by providers to find and make the most of available opportunities. Survey respondents were queried on their ownership of financial products, use of advisers and how they shopped for insurance and mortgages. read more

Discretionary Fund Manager Report

April 2013

The continued cost and regulatory pressures from the implementation of the Retail Distribution Review are continuing to hit the IFA market. According to recent figures, the number of advisers has fallen by 20 per cent following its introduction, with around 20,000 remaining in the UK. This report will outline core discretionary manager considerations such as investment philosophy and their core proposition as a business. Tools and metrics DFMs use to identify strategy are highlighted and current asset allocation splits are also estimated. read more

2013 Stocks & Shares/Cash ISA Study

March 2013

Traditionally the Cash ISA has been the more favoured vehicle compared to its Stocks and Shares ISA sibling. However with Cash rates in the doldrums and confidence returning to equity markets, 2013 is likely to herald a closing of the gap between those who hold the former versus the latter. This research is based on primary attitudinal data gathered as part of an annual study into the UK’s ISA market – covering both Cash and Stocks and Shares ISAs. This year the story is all about the opportunities in the S&Ss ISA market! read more

UK Beyond Retirement

February 2013

As the Baby Boomer generation reaches retirement age, the United Kingdom faces a major demographic, economic and social challenge as its largest age cohort cease working and begin drawing on their pension pots and other benefits accrued during their working life. This research use primary data to assess expected pension shortfalls among various segments of the Baby Boomer generation and models the benefits of both remaining actively invested post the standard retirement age and also extending one’s working life. read more

Adviser Choice: 2013, RDR & Beyond

January 2013

Advisers as a collective are changing in many ways in order to adjust to the brave new world under Retail Distribution Review (RDR). This research was conducted to understand any shifting trends in the UK advice market in the final run-up to the implementation of RDR. In particular the research was geared to assessing financial adviser attitudes and intention relating to investment and business outsourcing in a post-RDR world. read more

Alternatives: Retail Appetite and Understanding

January 2013

Flows into alternative investments have been on the rise over the last decade. This research was conducted by CoreData in order to better understand the attitudes, behaviour and sentiment of investors towards alternative investments in the current environment. Specifically the study looks at investor attitudes towards portfolio construction, risk, advice, saving and their general sentiment, with a focus on alternatives. read more

Investor i-Sight Attitudinal Barometer 1st half 2013

December 2012

i-Sight is a leading information service and provides insight to assist businesses in assessing and predicting likely investor behaviour over a given period. The purpose behind i-Sight is to provide an innovative and leading tool for the enhanced understanding of Britain’s millions of retail investors. The tool covers 28 different investment types and allows investment companies to track levels of specific fund appeal over rolling six month periods. read more

UK Financial Product Distribution Research

November 2012

The elements driving consumers to choose one financial product over another and where they would go when considering investment is key information for any financial institution with an interest in retail distribution. This study of financial product distribution exposes trends in investor behaviour when purchasing financial products and gauges the different factors influencing choice. read more

UK High Net Worth Study

November 2012

Wealth is big news in Britain. Not only are wealthy individuals and families of keen interest to the UK banking and financial services industry, but the British media (read therein the British public) has a seemingly insatiable fascination with wealth (and fame). This report examines the investment traits, risk and financial appetites of UK High Net Worth individuals. read more

Asset Allocation & Strategy

October 2012

CoreData Research conducted a global study to gauge retail investor attitudes towards various asset classes and outline their outlook and appetite for these asset types going forward. So aswell as drawing a clear picture of the current investor norm in view of portfolio asset allocation, this report also delves into future plans of their investing activity. read more

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