提前启动养老金会通过复合增长促进储蓄; 自动注册要求工人缴纳超过10K英镑的保险费, 尽管政府犹豫不决,但仍呼吁扩大保险费。 Starting pensions early boosts savings via compound growth; auto-enrolment mandates contributions for workers over £10K, with calls to expand it despite government hesitation.

Martin Lewis在英国广播公司播客的播客中强调,从18岁就开始缴纳养恤金缴款可以通过复合增长大大增加退休储蓄。 Martin Lewis emphasized in a BBC podcast that starting pension contributions as early as age 18 can greatly increase retirement savings through compound growth. 他强调了自动入学的好处,即年龄在22岁到国家养老金年龄的工人,收入超过10,000英,必须入职,至少有8%的总贡献,5%来自雇员和3%来自雇主. He highlighted the benefits of auto-enrolment, where workers aged 22 to state pension age earning over £10,000 must be enrolled in a workplace pension with minimum 8% total contributions—5% from employees and 3% from employers. 16至74岁、收入超过6 240英镑的工人可在任何年龄选择,雇主仍须支付相应的缴款。 Workers aged 16 to 74 earning over £6,240 can opt in at any age, with employers still required to match contributions. Lewis支持将自动入学扩大到年轻和低收入工人,尽管劳工政府没有承诺进行改革,理由是对商业影响的关切。 Lewis supports expanding auto-enrolment to younger and lower-income workers, though the Labour government has not committed to reforms, citing business impact concerns.