Five Steps to Help Your

Employees Secure Thei r F inanc ia l

Futures

@robertjgardner

T h e d e a t h o f d e f i n e d b e n e f i t

p e n s i o n p r o v i s i o n

A s h i f t i n r e s p o n s i b i l i t y

f r o m e m p l o y e r s t o e m p l o y e e s

E c o n o m i c U n c e r t a i n t yW e l i v e i n a w o r l d o f u n c e r t a i n

t i m e s

W h y s e l f c o n t r o l i s t h e k e y t o

f i n a n c i a l s u c c e s s i n t h e f u t u r e

A r e y o u s a v i n g a t l e a s t 1 5 % f o r

y o u r r e t i r e m e n t ?

I f y o u k n e w y o u w o u l d l i v e

l o n g e r w o u l d y o u s a v e m o r e ?

I s a c u l t u r e o f s p e n d i n g

h o l d i n g y o u b a c k ?

A l a c k o f f i n a n c i a l

e d u c a t i o n a c r o s s a l l g e n e r a t i o n s

The price of inaction

• https://youtu.be/dj0zjoKa0Dc

10

W h a t h a p p e n s i f w e d o n ' t

a d d r e s s t h e s a v i n g s c r i s i s ?

1. Engagement

“Tel l me and I

forget . Teach me

and I remember.

Invo lve me and I

wi l l learn”

- Benjamin Franklin

S t e p 1 : H e l p i n g y o u r e m p l o y e e s

t o s e c u r e t h e i r f i n a n c i a l f u t u r e s

E A S TEasy Attractive Social Timely

H o w t o e n g a g e y o u r e m p l o y e e s

u s i n g t h e E A S T f r a m e w o r k

easy attractive

social timely

H o w t h e D W P u s e t h e E A S T

f r a m e w o r k t o e n r o l y o u i n a

p e n s i o n

1. Engagement

2. Education

“Educat ion i s the

most power fu l

weapon you can

use to change the

wor ld”

- Nelson Mandela

S t e p 2 : H e l p i n g y o u r e m p l o y e e s

t o s e c u r e t h e i r f i n a n c i a l f u t u r e s

W h a t d o e s s u c c e s s l o o k l i k e ?

A nation of

engaged savers

and investors who

are conf ident and

in control of their

f inancial futures

“We have been neglected.

Nobody ’s to ld us about the need

to save and invest .”

6th Form Student,

Trinity School

W h a t d o t o d a y ' s m i l l e n n i a l s

t h i n k ?

“ I can’ t l ive off £150 per week, I want a lav ish

l i festy le when I get older.”

6th Form Student,

Trinity School

W h a t d o t o d a y ' s m i l l e n n i a l s

t h i n k ?

D o y o u u n d e r s t a n d t h e m i r a c l e

o f c o m p o u n d i n g ?

1. Engagement

2. Education

3. Digital

“ R i g h t n o w , a

M a s a i w a r r i o r o n a

m o b i l e p h o n e i n

t h e m i d d l e o f

K e n y a h a s b e t t e r

m o b i l e

c o m m u n i c a t i o n s

t h a n t h e p r e s i d e n t

d i d 2 5 y e a r s a g o .

I f h e ’ s o n a s m a r t

p h o n e u s i n g

G o o g l e , h e h a s

a c c e s s t o m o r e

i n f o r m a t i o n t h a n

t h e U . S . p r e s i d e n t

d i d j u s t 1 5 y e a r s

a g o . ”

- Peter Diamandis

S t e p 3 : H e l p i n g y o u r e m p l o y e e s

t o s e c u r e t h e i r f i n a n c i a l f u t u r e s

T h e d i g i t a l b o o m c o n t i n u e s

1 3 0 , 0 0 0 , 0 0 0 , 0 0 0 A p p s

d o w n l o a d e d f r o m t h e A p p s t o r e

9 0 % o f t i m e o n m o b i l e d e v i c e s

i s s p e n t i n A p p s

Source: Flurry Analytics, comScore, Pandora,

Facebook, NetMarketShare, Note: US Jun

2015

S l i c k e r , S m a r t e r , F a s t e r – t h e

a r r i v a l o f f i n - t e c h s o l u t i o n s

S t e p 4 : H e l p i n g y o u r e m p l o y e e s

t o s e c u r e t h e i r f i n a n c i a l f u t u r e s

1. Engagement

2. Education

3. Digital

4. Outcome

Focussed

“ I n o r d e r t o i m p r o v e y o u r g a m e , y o u

m u s t s t u d y t h e e n d g a m e b e f o r e

e v e r y t h i n g e l s e . ”

- Jose Raul Capablanca

<INSERT REDINGTON INVESTMENT

CHART>

W h e r e a r e y o u r e m p l o y e e s o n

t h e i r s a v i n g s & i n v e s t m e n t

j o u r n e y ?

1. Engagement

2. Education

3. Digital

4. Outcome

Focussed

5. Personalisation

S t e p 5 : H e l p i n g y o u r e m p l o y e e s

t o s e c u r e t h e i r f i n a n c i a l f u t u r e s

O n e s i z e d o e s n ’ t f i t a l l

0% 10% 20% 30% 40% 50% 60% 70%

Risk Path 1

Risk Path 2

Risk Path 3

Risk Path 4

Risk Path 5

Risk Path 6

Risk Path 7

PERCENTAGE OF EMPLOYEES

RIS

K L

EVEL

Clear

divergence

W e a l l h a v e d i f f e r e n t r i s k

p r o f i l e s

P l e a s e d o i t f o r m e , t a i l o r e d

t o m e

“A s o c i e t y g r o w s g r e a t w h e n o l d m e n p l a n t t r e e s w h o s e s h a d e t h e y k n o w t h e y s h a l l n e v e r s i t i n ”

- Greek proverb

I ' d l o v e t o h e a r f r o m y o u

@robertjgardner

in/robertjgardner

robert.gardner@redington.co.uk

07899 954 624