它说从目前的免税-免税（‘EET’）系统转换为免税免税（‘TEE’) like Isas and providing a government top-up on pension contributions would raise some major issues. While consumers initially like and understand the concept of a pension Isa as it strikes a positive emotional chord, once the pros and cons are explained there is strong support for the existing 欧洲东部时间 system whereby incentives are received up-front rather than in the future, says 蒂萨.
蒂萨在对HMT的回应中概述了 ’s consultation on tax relief five key reasons why a 三通 approach would not provide a more beneficial and sustainable approach to incentivising savings:
1. “There is no evidence to suggest that 三通 would lead to increased pension savings –它破坏了目前节省工作场所养老金的势头，却没有提供明显更好的结果。”
4. “There would be significant disruption to the saving expectations of individuals and to employers/providers who have made a major investment in the current pension system and who are accustomed to the flexibility of having both 欧洲东部时间 and 三通 (ISA) saving available to them depending on their circumstances.”
蒂萨政策策略总监Adrian Boulding说：“Our research demonstrates that people favour simple, tangible and stable incentives which are contributory in nature. However, the current system has been questioned for some time and its effectiveness as an incentive is difficult to evidence. 三通 results in considerably lower outcomes and so would require a significant additional Government contribution, unless all groups are to be losers.
“Our analysis shows that 欧洲东部时间 is not as regressive as some people suggest. For the same £总收入中有100％用于退休金计划，低收入者通常比高收入者做得更好。但是，我们认为，转向二对一匹配会更加进步，这种转变使低收入者受益，而高收入者的养老金却减少了。