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The Second 50

People are living longer and leading very different lifestyles. See how this changing landscape impacts your employees' retirement and what we can do together to support them.

At Aegon, we're exploring life after 50, or what we're calling the Second 50. With people living longer, the concept of sudden, hard-stop retirement is no longer the norm.

We're sharing these resources to help you discover the evolving nature of later life and the opportunities available to your employees.

  1. Providing support in a shifting landscape
  2. The Five Fundamentals
  3. Supporting employees retirement objectives

Second 50 report 2024: Navigating a multi-stage life

As we live longer, many of us are experiencing more varied, multi-stage lives. To help you support employees in navigating the UK's ever-evolving later-life landscape, we've combined the latest national statistics with our own research for a comprehensive view.

Read our Second 50 report

Key themes and findings

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According to official population projections, there could be 22.1 million people in the UK aged 65 and over – equal to 27% of the population – by the year 2072.2 

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Our Second 50 research shows 'Declining physical health' (45%) and 'Running out of money' (44%) are top three later life concern for those surveyed.3

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Multiple complex pathways could result in individuals feeling overwhelmed.

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Our research also found that only 28% of respondents currently in employment expect a 'hard stop' retirement (giving up working at once).3

Providing support in a shifting landscape 

Navigating this new, unchartered territory is very difficult from the experiences of previous generations. Below are additional resources to help you support your employees.

What the Second 50 means for employees sample copy

Use this content to create an email, newsletter content, intranet article or on your benefits site directing employees to the Second 50 report.

Second 50 infographic

With more over-50's staying in or joining the workforce, there's an opportunity to address their specific concerns and needs. We've created an infographic for you to share with your employees.

7 ways to support over 50s returning to work

How can you, as an employer, best support over-50s in returning to work and continuing confidently into the future?

The five fundamentals

A multi-stage life is changing the way we approach retirement. We've distilled our research into five fundamentals to guide your employees through the Second 50.

Work Second 50 fundamental

Work - living longer, working longer?

Wealth Second 50 fundamental

Wealth - will finances cover employees?

Family Second 50 fundamental

Family - who is caring for family? 

Health Second 50 fundamental

Health - is an active lifestyle being led? 

Wellbeing Second 50 fundamental

Wellbeing - are employees enjoying what they do?

Five fundamentals of Second 50 diagram

Supporting employees retirement objectives

Managing your scheme

No matter the size of business, we’ll make sure you have the resources you need for scheme management. We can also guide you on member communications, promoting your scheme and more.

Tools and resources

No matter what stage of life we’re in, we all want financial security and peace of mind to live a meaningful and happy life, now and in the future. To support you to improve financial wellbeing in your workforce, we've created practical, online helpful resources and information for you to easily share with your employees.

Our financial wellbeing research

Our research uncovers the impact that employees' financial worries can have on themselves and the companies they work for.

  1. The 100-year life: Living and working in an age of longevity, Data Source, Lynda Gatton and Andrew Scott, Bloomsbury 2016
  2. The UK’s changing population. Data source, House of Commons Library, published 16 July 2024.
  3. Second 50 report -  Our new survey of 900 UK workers and 100 retired UK residents is the foundation of this second edition of our Second 50 report, complementing 12 years of research we’ve undertaken in the UK. Unless otherwise stated, the research referred to throughout this guide was conducted by Aegon in July 2024, in a study nationally representative of UK age, gender and regions.

Accessing your savings

You've worked hard to put money into your pension and build your savings for life beyond work, and now you might be thinking about the ways you could use it.

Explore