Standard Life says DINKs could add GBP 351,000 to pensions by redirecting child — raising costs

Standard Life analysis dated Sept. 16, 2026 modeled redirecting child-raising costs into pensions for dual-income, no-kids households. Contributing GBP 13,900 annually from ages 30-48 lifted a modeled age-68 pot to about GBP 603,000 in today’s prices. That compares with about GBP 252,000 from minimum auto-enrolment contributions alone, implying an uplift of roughly GBP 351,000. Half the extra saving, GBP 6,950 a year, raised the modeled pot to about GBP 428,000, an uplift of roughly GBP 175,500. Assumptions included 5% annual investment growth, 3.5% salary growth, 2% inflation, and a 0.75% annual management charge. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Standard Life plc published the original content used to generate this news brief on September 17, 2026, and is solely responsible for the information contained therein. (C)