Insight’s 2026 Retirement Income DC Member Survey | Insight Investment

"As retirement approaches, many people face difficult questions about how to turn their savings into a sustainable income while balancing security, flexibility and future needs."

Insight’s 2026 Retirement Income DC Member Survey, of 1,000 individuals in the UK nearing or at retirement, explores what savers want from retirement and what this means for the design of future income solutions.

Key findings

• Confidence in need of clarity: Many respondents are confident about achieving their desired lifestyle in retirement, even though most only have some idea about the income their current pot could provide.
• Certainty in tension with flexibility: Respondents value certainty that their income will last for life, but many also desire flexibility and control of their assets.
• Security supersedes flexibility in later life: Security of retirement income is a focus as people age, with most highlighting it as a priority.

The findings indicate the tensions in what individuals seek, and that many may value retirement income solutions that offer certainty alongside flexibility and access to capital, while also building in later life security.