Sustainable Pensions Engine

As the government looks to reform pensions, this should also be an opportunity to really reflect people’s preferences and values - for us, that’s especially important around sustainability. We want to get people putting their pensions where their values are.

On 5th June, the UK government introduced the Pension Schemes Bill - a step toward a more streamlined, transparent pension system. It focuses on:

✅ Consolidating small pots ✅ Clearer value-for-money ✅ Stronger engagement

These are important structural shifts. But, for us, they raise a more behavioural question:

What does meaningful engagement with pension savers really look like especially for a generation that expects more than just returns and has a real focus on sustainability?

At Mettle Capital, in collaboration with Wyser, and with support from Innovate UK, we are exploring this challenge. Specifically:

– Whether digital, conversational methods can reveal more authentic and actionable investment preferences than traditional surveys – Whether pension schemes could accurately offer a choice of funds that reflect member’s interests and values

We know around 70% of pension holders want their money invested sustainably. Yet most systems still rely on limited tools that weren’t designed to understand this level of preference , let alone at scale.

Policy can set the stage. But better outcomes for members will depend on how well they are heard and understood and are able to really choose to put their pensions where there values are.

If you’re working on this too — or curious about how we’re approaching it — send us a message.