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Reimagining the future

Examine the trends causing seismic shifts in the later life landscape

The changing face of later life finance

We’ve worked with the Equity Release Council and other industry experts to investigate ten trends disrupting the traditional retirement landscape. Our new report examines these trends and unpicks how they’ll influence the way future generations manage their retirement finances.

Shifts in attitude and changing market forces are reforming our approach to financial security and later life money management. Home advantage: intergenerational perspectives on property wealth in later life offers insight into how new trends have altered the life experiences of adults now in their thirties and in their sixties, focusing on pension provision and property ownership.


Key areas explored in the report:

  • The legacy of pension freedoms and low interest rates leading to new, more flexible ways of achieving retirement income security
  • Increasing property costs and challenges around affordability are resulting in more homeowners taking out longer term mortgages that will need to be provisioned for
  • Changing perceptions over the role of property wealth in funding retirement, with a growing acceptance of debt in later life
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Explore the report

Learn more about the trends disrupting the traditional retirement landscape.

Read the report

“Nearly three in four (74%) homeowners in their thirties are open to accessing money from the value of their property in later life.”

Equity Release Council Home advantage: intergenerational perspectives on property wealth in later life, 2021


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Explore the changing shape of retirement

Learn more about how retirement journeys are evolving with our research highlighting how social, cultural and economic trends are reshaping how we prepare for later life.

Find out more

“Fewer people are retiring with a comfortable pension and no mortgage debt. We’re seeing the retirement market undergo a significant transformation where property wealth is increasingly being included as a component of modern retirement journeys”

Alice Watson Head of Marketing, Insurance, Canada Life


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