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Pension Confusion, Uncertainty and Trust in Scotland: An Empirical Analysis
Journal of Social Policy (2014)
  • Robert Webb
  • Duncan Watson, University of East Anglia
  • Patrick John Ring, Glasgow Caledonian University
  • Cormac Bryce

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 Scottish Social Attitudes Data which in its 2005 survey of questions 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.

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Robert Webb, Duncan Watson, Patrick John Ring and Cormac Bryce. "Pension Confusion, Uncertainty and Trust in Scotland: An Empirical Analysis" Journal of Social Policy Vol. Forthcoming (2014)
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