Natalie (EBnet Stream host)

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293 appearances 3 recordings 1 series first heard Jul 2026 last heard 4 Aug

Natalie (EBnet Stream host)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 3 in all, peaking in Jul 2026 with 2.

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I mean, is this a reality?

Where is this conversation?

So saving sufficiently takes me to the next step of this year's benchmark, and that is contribution rates.

And when I asked you the first question around NRAs, you mentioned standalone funds and umbrella funds.

And this is where it separates and gets a little bit interesting around contribution rates.

Now, contribution rates are one of the big drivers of an adequate contribution.

fund credit or fund balance when you retire so that you can buy a pension to keep you in a certain standard of living.

But the kind of standalone versus umbrella fund contribution trends, what are we seeing?

Does it talk to, in my mind, the size of employer who you would expect to find in an umbrella fund versus a standalone fund?

So in my mind, I kind of have this picture that standalone funds are for big, sustainable corporates with lots of members and lots of money.

And umbrella funds are more attractive for smaller to medium-sized employers.

And does that have something to do with the affordability maybe of contributions?

And I think that's an important point to make, right?

Because an uninformed person reading the benchmark survey might go, oh, but look, you know, if we go into an umbrella fund, we can contribute less.

And that's not that message.

The other thing, obviously, then that drives retirement values is fees.

And there is another big story here in this year's survey.

I'm not going to steal your thunder.

Perhaps you want to sketch it for us.

But it does feel counterintuitive to me.

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