What are "matters of conscience" in a non-religious country?

It takes religion for parliament to accept that an MP might have a conscience.

Today's census figures are the second to include an answer to the question of what religion people identify with. They show a country of rapidly declining faith: 25 per cent of people now say they have "no religion", up from 15.5 per cent in 2001; 59.3 per cent of people say they are Christian, down from 72 per cent in 2001; the Muslim population had increased to 5 per cent; and other religions totalled 8.4 per cent.

In other words, slightly over half of Britons are Christian. We can't know how that breaks down over various denominations, because the question was not specified any further, but if adherents to the state religion – the Church of England – aren't already a minority in Britain, then they are fast on their way there.

All of which marks out quite how bizarre the continued religious influence in our legislature is. Not just that we still have 26 bishops in the House of Lords in the year two thousand and twelve (although the e-petition to put an end to that has just broken 10,000 signatures), since that is something which, when it comes down to it, only matters on a symbolic level.

The far stranger influence religion has on the laws of the land has surfaced today with the debate over same-sex marriage. Take a look, for instance, at George's post about Labour's decision to offer a free vote on the bill:

"The three-line whip only applied to civil ceremonies. Now the government has agreed to allow gay marriages in religious buildings, we will hold a free vote."

That is: same-sex marriages weren't an issue "of conscience" until they involved religious buildings; now that they do, they are.

Clearly same-sex marriage is something which people care greatly about; and it is perhaps understandable that some people of faith feel that involving religious buildings to be involved is a categorically different issue to whether or not to allow equal marriage in the first place.

But why are we still acting as though religious beliefs are the only ones which people hold closely enough that they ought not be made to break them by a party whip? Are the 25 per cent of people who hold no religious beliefs also unable to ask for a free vote on matters of conscience? Can an atheist not be as vehemently opposed to war as a Christian is to abortion?

Britain is less religious by the day; soon, we will have to confront these questions head on.

The House of Commons in 1890, about as long ago as it made sense to have bishops in the Lords. Photograph: Getty Images

Alex Hern is a technology reporter for the Guardian. He was formerly staff writer at the New Statesman. You should follow Alex on Twitter.

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: www.oldmutualwealth.co.uk/ products-and-investments/ pensions/pensions2015/