Financing the future by Robert Gardner

1. Five Steps to Help Your
Employees Secure Their Financial
Futures
@robertjgardner

2. 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 rov i s i o n

3. A s h i f t i n r e s p o n s i b i l i t y
f ro m e m p l o y e r s t o e m p l o y e e s

4. E c o n o m i c U n c e r t a i n t y
We 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

5. W hy s e l f c o n t ro l i s t h e key to
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

6. 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 ?

7. I f y o u k n ew 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 av e m o r e ?

8. 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 ?

9. 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

10. 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 av i n g s c r i s i s ?

11. 1. Engagement
“Tell me and I
forget. Teach me
and I remember.
Involve me and I
will 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

12. 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

13. 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

14. 1. Engagement
2. Education
“Education is the
most powerful
weapon you can
use to change the
world”
- 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

15. W h a t d o e s s u c c e s s l o o k l i ke ?
A nation of
engaged savers
and investors who
are confident and
in control of their
financial futures

16. “We have been
neglected.
Nobody’s told us
about the need
to save and
invest.”
6th Form Student,
Trinity School
W h a t d o t o d ay ' s m i l l e n n i a l s
t h i n k ?

17. “I can’t live off
£150 per week,
I want a lavish
lifestyle when I
get older.”
6th Form Student,
Trinity School
W h a t d o t o d ay ' s m i l l e n n i a l s
t h i n k ?

18. 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 ?

19. 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
Ke ny a h a s b e t te 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 fo 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

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

21. 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 ro m t h e A p p s t o r e

22. 9 0 % o f t i m e o n m o b i l e d ev 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

23. 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

24. 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 rd e r to i m p rov e yo u r g a m e , yo u
m u s t s t u d y t h e e n d g a m e b e fo r e
ev e r y t h i n g e l s e . ”
- Jose Raul Capablanca

25. <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 ?

26. 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

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

28. 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
RISKLEVEL
Clear
divergence
We a l l h av e d i f fe r e n t r i s k
p ro f i l e s

29. P l e a s e d o i t fo r m e , t a i l o r e d
t o m e

30. “A society grows great
when old men plant
trees whose shade they
know they shall never
sit in”
- Greek proverb

31. I ' d l ov e t o h e a r f ro m y o u
@robertjgardner
in/robertjgardner
robert.gardner@redington.co.uk
07899 954 624