Auto-enrolment has been exceptionally successful over the past five years, bringing millions of UK workers into a pension savings scheme.

Using behavioural psychology - the fact most people will remain invested because they just won't get around to opting out of a pension thanks to 'inertia' - the Department for Work and Pensions (DWP) has celebrated nine million people now automatically enrolled into a pension by their employer.

Nine out of 10 of these are continuing to save.

In its latest review into auto-enrolment, Automatic Enrolment Review 2017: Maintaining the Momentum, the DWP hails the "rebuilding" of the UK's savings culture.

In his introduction, the former secretary of state for work and pensions, David Gauke commented: "Many of those benefitting were once poorly served or excluded from workplace pensions.

"But thanks to auto-enrolment, many more women, low earners and younger people are now building an asset for their future. 

"By 2019-2020, it is estimated an extra £20bn a year will be saved into workplace pensions as a direct result of auto-enrolment."

This all sounds positive, but as commentators to this guide have cited, there are still huge gaps that the auto-enrolment review has not filled. Contribution rates are still not high enough to make up for low wage growth, rising inflation and the vagaries of the investment markets.

Self-employed individuals are still far outside of the scope and pensions are still not user-friendly enough.

This guide explains what the latest auto-enrolment review has set out, how advisers can help self-employed clients, what sort of investment choices are best for those within an auto-enrolled scheme and what sort of engagement strategies might be needed. 

This guide qualifies for an indicative 60 minutes' worth of CPD. 

Contributors to the guide: Chris Daems, director of Cervello Financial Planning; Baroness Ros Altmann; Kate Smith, head of pensions at Aegon; Lee Hollingworth, head of defined contribution consulting for Hymans Robertson; Rachel Vahey, product technical manager at Nucleus; Gregg McClymont, chairman of the Pension Quality Mark; Jon Greer, head of retirement policy for Old Mutual Wealth; Jamie Clark, pensions expert at Royal London; Graham Vidler, director of external affairs at the Pension and Lifetime Savings Association and Julian Mund, chief executive of the Pension and Lifetime Savings Association; Ferdinand Lovett, associate director at Sackers; Adrian Boulding, head of retirement strategy for Dunstan Thomas; Angie Kirkwood, senior policy manager for Scottish Widows; Vince Smith-Hughes, retirement income expert for Prudential; Will Sandbrook, executive director of National Employment Savings Trust Insight; the Department for Work and Pensions; the Association of British Insurers; Hargreaves Lansdown; The Pensions Policy Institute; Aviva.

Simoney Kyriakou is content plus editor for FTAdviser