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this paper, written in collaboration with D3P Global, we review pension programmes targeting informal sector workers in 11 emerging and developing economies. We emphasise the role of financial incentives in encouraging workers to save for retirement. Our results show that tax incentives alone are unlikely to attract a large number of informal sector workers, and that additional incentives such as matching contributions, bundling with insurance, or ‘second generation’ auto-enrolment are necessary. A second wave of pension programmes using some of these incentives has shown signs of success in a select number of countries. Based on this analysis, we make a number of recommendations on preconditions, incentives, product features and implementation for pension programmes for informal sector workers. ",{"metadata":654,"sys":657,"fields":667},{"tags":655,"concepts":656},[],[],{"space":658,"id":660,"type":15,"createdAt":661,"updatedAt":662,"environment":663,"publishedVersion":665,"revision":666,"locale":23},{"sys":659},{"type":11,"linkType":12,"id":13},"6YnhhCJVXITV3kE6U9loTl","2026-02-18T10:07:22.313Z","2026-02-18T17:53:21.177Z",{"sys":664},{"id":19,"type":11,"linkType":20},20,4,{"title":350,"description":89,"file":668},{"url":669,"details":670,"fileName":672,"contentType":329},"\u002F\u002Fassets.ctfassets.net\u002Fw2h5pt841hyx\u002F6YnhhCJVXITV3kE6U9loTl\u002Fb8894e2970e0dd6418769c08ec9e8067\u002FHow_Incentives_Can_Boost_Pensions_for_Informal_Sector_Workers_Whitepaper.pdf",{"size":671},5669740,"How_Incentives_Can_Boost_Pensions_for_Informal_Sector_Workers_Whitepaper.pdf",{"metadata":674,"sys":677,"fields":687},{"tags":675,"concepts":676},[],[],{"space":678,"id":680,"type":45,"createdAt":681,"updatedAt":682,"environment":683,"publishedVersion":139,"revision":123,"contentType":685,"locale":23},{"sys":679},{"type":11,"linkType":12,"id":13},"7nmPBNUduxWm5l712g9dtm","2026-02-19T08:49:19.719Z","2026-03-19T12:00:15.189Z",{"sys":684},{"id":19,"type":11,"linkType":20},{"sys":686},{"type":11,"linkType":51,"id":291},{"title":688,"shortTitle":689,"text":690,"image":700,"assetDownload":720,"captureData":330},"Snapshot Summary: How Incentives Can Boost Pensions for Informal Sector Workers","Download Summary",{"data":691,"content":692,"nodeType":73},{},[693],{"data":694,"content":695,"nodeType":84},{},[696],{"data":697,"marks":698,"value":699,"nodeType":88},{},[],"This summary report offers a snapshot of the findings in the full paper: ‘How incentives can boost pensions for informal workers’ - prepared by the Coller Pensions Institute and D3P Global. It highlights the financial and demographic factors driving the urgent need for policymakers to increase the participation rates of informal workers in pension systems, and summarises key findings from the full paper’s review of pension programmes targeting informal sector workers in 11 emerging markets and developing economies. This summary paper highlights five of the incentives and ideas which have been successful in increasing informal sector participation rates in pensions, including matching contributions, auto-enrolment, flat-rate contributions, bundled products and guaranteed returns. 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