People should add to pension pots after pay rises or at the end of mortgages, report says

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People should add to pension pots after pay rises or at the end of mortgages, report says
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Pension savers are missing opportunities to boost their retirement income when they get pay rises, pay off their mortgage or see their children leave home, new data shows

Savers have been urged to think about putting more away for their retirement when cash becomes available .for higher earners is one way people could add to their pension pots around major life events, the Institute of Fiscal Studies has suggested.

The IFS has suggested several improvements to workplace pensions, mortgages and other financial products to prompt people to save more into their pensions.for higher earners – “auto-escalation” – with default pension contribution rates increasing alongside rises in earnings. The report found that people find they have fewer spending commitments and more disposable income at various stages in life, such as paying off a mortgage, getting a pay rise, or seeing adult children leave home and become more financially independent.

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