The National Association of Pension Funds believes Government proposals outlined in the Green paper 'Partnership in Pensions' could undermine occupational schemes.
The NAPF argues the overlap of the second state pension, stakeholder and occupational schemes is confusing and needs to be clearly worked out to prevent employees making the wrong decisions.
The association also casts doubt on whether stakeholder will be sufficiently attractive to persuade its target audience to join, without an element of compulsion for the self-employed.
It has welcomed proposals to simplify occupational scheme regulations in principle, but argues this does not go far enough.
It wants a more radical simplification to encourage employers to continue to set up new schemes.