Nobody minds a gentle nudge, except in the wrong direction | Andrew Rawnsley

The past decade has demonstrated when 'choice architecture' in politics can succeed and when it doesn't work

We live in a time when government seems to have the Sadim touch: everything politicians lay their hands on turns into the opposite of gold. So it is a pleasant surprise when a significant piece of policy affecting the futures of millions of people is working as intended.

Many folk park pensions in that segment of the brain where they keep things they know to be important, but find boring. Many folk would prefer to spend any surplus income today rather than save it for tomorrow. As a result, Britain has a serious problem. Its citizens are saving far too little for their retirement. Five years ago, the government did something to try to remedy this. It changed the way in which workers make pension decisions by introducing auto-enrolment. Where previously employees had to take a series of steps to opt into a company pension, now you are automatically signed up unless you actively choose to opt out. This subtle-sounding switch has had a rather dramatic result. More than eight million people have started saving for the first time, which means they also receive a pension contribution from their employers.