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

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

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review

14 Citations (Scopus)


In the context of the new automatic enrolment requirements for all eligible employees 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 these may be reduced for those working in the financial sector. We consider the implications of these findings for the relationship of trust between employers and their employees, as well as for trust in government pension policy more generally.
Original languageEnglish
Pages (from-to)595-613
Number of pages19
JournalJournal of Social Policy
Issue number3
Early online date1 May 2014
Publication statusPublished - Jul 2014


  • pensions
  • employers
  • financial services


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  • Confusion, uncertainty and pensions

    Ring, P. & Webb, R., Jun 2014, Pensions Management Institute, 2014, p. 18-20 3 p.

    Research output: Contribution to specialist publicationArticle

    Open Access

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