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

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

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


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.

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), https://doi.org/10.1017/S0047279414000051

Journal Article Type Article
Acceptance Date Oct 1, 2013
Online Publication Date May 1, 2014
Publication Date Jul 1, 2014
Deposit Date Feb 13, 2018
Publicly Available Date Feb 13, 2018
Journal Journal of Social Policy
Print ISSN 0047-2794
Electronic ISSN 0047-2794
Publisher Cambridge University Press
Peer Reviewed Peer Reviewed
Volume 43
Issue 3
DOI https://doi.org/10.1017/S0047279414000051
Public URL https://nottingham-repository.worktribe.com/output/729842
Publisher URL https://www.cambridge.org/core/journals/journal-of-social-policy/article/pension-confusion-uncertainty-and-trust-in-scotland-an-empirical-analysis/E1D782D91C6D4F59727F5735ACF4D051

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