From far-reaching reforms to customer vulnerability, we’ve brought together research papers from Just and external experts to help support your understanding of the retirement income market, and the challenges those operating in it face.

Lower income retired households receive up to £7,754 a year less in benefits than better off retirees

Retired households with the lowest incomes received between £95 and £149 per week less in cash benefits than higher income households. Click here to learn more. 

Just Group Care Report 2025: Social care reform - stuck in the waiting room

Our latest Care Report: Social Care – Stuck in the Waiting Room uncovers what people in the UK aged 45+ think about social care and the challenges faced by those who rely on it. Find out what they have to say here.

State Pension Shortfall Day arrives as pensioners with a minimum standard of living exhaust State Pension this weekend

22 November is marked State Pension Shortfall Day – the day in 2025 when a single pensioner on the ‘minimum’ of the PLSA Retirement Living Standards would have exhausted the full new State Pension (£11,973 in 2025-26) and be reliant on private pension income or other savings to bridge the gap. Click here to find out more. 

The an-new-ity bonus: more customers shopping around to secure highest guaranteed income for life

Analysis of the latest FCA’s Retirement Income Market Data by retirement specialist Just Group finds that the proportion of GIfL products purchased by customers from their existing provider fell to 38% in 2024/25, down from 41% in 2023/24, 47% in 2022/23 and 58% in 2021/22. Click here to find out more. 

Most Gen X and working Baby Boomers don’t have a formal retirement strategy

If there is truth in the saying “failing to plan is planning to fail”, new research from retirement specialist Just Group raises concerns about the lack of formal retirement planning among the millions heading towards the end of their working lives. Click here to find out more. 

Sales of escalating annuities surge and more customers take up enhanced rates

Analysis of the latest data from the Financial Conduct Authority (FCA) by retirement specialist Just Group finds that the proportion of escalating and enhanced Guaranteed Income for Life (GIfL) products (annuities) purchased has risen significantly. Click here to find out more. 

Fixed Term Investment – Just Group announces ground-breaking retirement solution on leading platform Fundment

Just is partnering with leading adviser platform Fundment which is introducing the new fixed term pension solution alongside Just’s popular Secure Lifetime Income (SLI) guaranteed income solution. Click here to find out more. 

Use of regulated advice by pension dippers is heading lower, latest FCA data reveals

• Dramatic fall in use of advice for drawdown from two-thirds to less than half in six years
• Data raises concerns about support available to people accessing pensions for first time

The proportion of savers accessing a pension for the first time using regulated advice has fallen, Financial Conduct Authority figures show. Click here to find out more. 

Only four in 10 working ‘Boomers’ feel prepared for retirement

• Only 41% of the 3 million+ working people aged 60-69 agreed they feel prepared for retirement
• Almost the same proportion - 36% - said they do not feel prepared, and
• Figures raise concerns about take-up of pre-retirement support, says retirement specialist Just Group.

Click here to find out more.