Stakeholder schemes were introduced by the Government to encourage people with moderate earnings to save for their retirement. They are intended to be low-cost, flexible and accessible to all.

Unless you already have a pension scheme which all your employees are entitled to join, you will almost certainly have to arrange for them to have access to a stakeholder scheme. This briefing explains what stakeholder schemes are and how they will affect you as an employer.

It covers:

• Whether you are obliged to offer access to a stakeholder scheme.
• The timing of their introduction.
• What is involved.
• Where to get help.

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