In terms of lifetime savings, many employers think that fulfilling their end of service gratuity obligations will be enough to attract, motivate and retain key personnel, even when assets are not specifically set-aside for this purpose. During this session Peter looks at whether individuals actually agree with this approach, their view of gratuities and the value placed on them. Evidence currently shows that individuals are not saving enough for their later life, a problem compounded by the fact that they will be living longer, leaving them with the difficult choice of either saving more or deferring their retirement. Peter explores a way employers can differentiate themselves by adopting a more paternalistic approach to lifetime savings Peter Cox, Head of International Pension Plan Sales APAC & ME, Zurich