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Pension confusion, uncertainty and trust in Scotland: an empirical analysis

Webb, Rob; Watson, Duncan; Ring, Patrick; Bryce, Cormac

Authors

Rob Webb

Duncan Watson

Patrick Ring

Cormac Bryce



Abstract

In the context of the new auto-enrolment requirements for employers to make pension provision for their employees, and the importance of trust in pension provision, this article utilises data from the Scottish Social Attitudes Survey which in its 2005 wave asked correspondents specific questions regarding pension provision. We integrate two different empirical approaches in order to achieve a more robust understanding of pension confusion in Scotland. We find that pension confusion is dominated by pension uncertainty and myopia but may be reduced by working in the financial services sector. We consider the implications of these findings for the relationship of trust between employers and their employees, as well as for government pension policy more generally.

Journal Article Type Article
Publication Date Jul 1, 2014
Journal Journal of Social Policy
Print ISSN 0047-2794
Electronic ISSN 0047-2794
Publisher Cambridge University Press (CUP)
Peer Reviewed Peer Reviewed
Volume 43
Issue 3
APA6 Citation Webb, R., Watson, D., Ring, P., & Bryce, C. (2014). Pension confusion, uncertainty and trust in Scotland: an empirical analysis. Journal of Social Policy, 43(3), doi:10.1017/S0047279414000051
DOI https://doi.org/10.1017/S0047279414000051
Publisher URL https://www.cambridge.org/core/journals/journal-of-social-policy/article/pension-confusion-uncertainty-and-trust-in-scotland-an-empirical-analysis/E1D782D91C6D4F59727F5735ACF4D051
Copyright Statement Copyright information regarding this work can be found at the following address: http://eprints.nottingh.../end_user_agreement.pdf

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Copyright Statement
Copyright information regarding this work can be found at the following address: http://eprints.nottingham.ac.uk/end_user_agreement.pdf





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