Women millennials’ perceptions of pension savings through the use of autoenrollment in the UK pension system

References

• Bernheim, D. (1998). Financial illiteracy, education and retirement saving. In O. S. Mitchell & S. Schieber (Eds.), Living with defined contribution pensions (pp. 38–68). Philadelphia, PA: University of Pennsylvania Press.
   Google Scholar
• Berry, C. (2016). Austerity, ageing and the financialisation of pensions policy in the UK. British Politics, 11(1), 2–25. doi:10.1057/bp.2014.19
   Web of Science ®Google Scholar
• Brinkmann, S., & Kvale, S. (2018). Doing interviews. London, United Kingdom: Sage.
   Google Scholar
• Bryan, M., & Lloyd, J. (2014). Who saves for retirement? 2: Eligible non-savers. London, United Kingdom: Institute for Social and Economic Research.
   Google Scholar
• Choi, J. J., Laibson, D., & Madrian, B. C. (2004). Plan design and 401(k) savings outcomes. National Tax Journal, 57(2), 275–298. doi:10.17310/ntj.2004.2.07
   Web of Science ®Google Scholar
• Citizen’s Advice Bureau. (2017, February 22). People in multiple jobs missing out on a workplace pension, reveals Citizens Advice. Retrieved from https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/media/press-releases/people-missing-out-on-workplace-pensions/
   Google Scholar
• Clark, G., & Strauss, K. (2008). Individual pension-related risk propensities: The effect of socio-demographic characteristics and spousal entitlement on risk attitudes. Ageing and Society, 28(6), 847–874. doi:10.1017/S0144686X08007083
   Google Scholar
• Clark, G., Strauss, K., & Knox-Hayes, J. (Eds.). (2012). Saving for retirement: Intention, context and behaviour. Oxford, United Kingdom: Oxford University Press.
   Google Scholar
• Costa, R., & Machin, S. (2017). Real wages and living standards in the UK ( CEP Election Analysis No 31).
   Google Scholar
• Creedy, J., Gemmell, N., & Scobie, G. (2015). Pensions, savings and housing: A life-cycle framework with policy simulations. Economic Modelling, 46, 346–357. doi:10.1016/j.econmod.2014.12.036
   Web of Science ®Google Scholar
• Cribb, J., & Emmerson, C. (2016). What happens when employers are obliged to nudge? Automatic enrolment and pension saving in the UK ( IFS Working Papers W16/19). Institute for Fiscal Studies.
   Google Scholar
• Department of Work and Pensions (DWP). (2014). Automatic enrolment: Experiences of workers who have opted out: A qualitative research study ( Research Report No. 862). London, United Kingdom: DWP.
   Google Scholar
• Department of Work and Pensions (DWP). (2017). Automatic enrolment review 2017: Maintaining the momentum. London, United KIngdom: DWP.
   Google Scholar
• Ebbinghaus, B. (2015). The privatization and marketization of pensions in Europe: A double transformation facing the crisis. European Policy Analysis, 1(1), 56–73. doi:10.18278/epa.1.1.5
   Google Scholar
• Eurostat. (2012). Active ageing and solidarity between generations: A statistical portrait of the European Union 2012. The greying of the babyboomers: A century long view of ageing in European populations. Eurostat: Statistical Office of the European Union, Luxembourg City, Luxembourg.
   Google Scholar
• Fornero, E., & Monticone, C. (2011). Financial literacy and pension plan participation in Italy. Journal of Pension Economics and Finance, 10(4), 547–564. doi:10.1017/S1474747211000473
   Web of Science ®Google Scholar
• Foster, L. (2010). Towards a new political economy of pensions? The implications for women. Critical Social Policy, 30(1), 27–47. doi:10.1177/0261018309350807
   Web of Science ®Google Scholar
• Foster, L. (2012). ‘I might not live that long!’ A study of young women’s pension planning in the United Kingdom. Social Policy and Administration, 46(7), 705–726. doi:10.1111/j.1467-9515.2012.00854.x
   Web of Science ®Google Scholar
• Foster, L. (2017). Young people and attitudes towards pension planning. Social Policy and Society, 16(1), 65–80. doi:10.1017/S1474746415000627
   Web of Science ®Google Scholar
• Foster, L. (2018). Active ageing, pensions and retirement in the UK. Journal of Population Ageing, 11(2), 117–132. doi:10.1007/s12062-017-9181-7
   PubMed Web of Science ®Google Scholar
• Foster, L., & Heneghan, M. (2018). Pensions planning in the UK: A gendered challenge. Critical Social Policy, 38(2), 345–366. doi:10.1177/0261018317726639
   Web of Science ®Google Scholar
• Ginn, J. (2003). Gender pensions and the life-course. Bristol, United Kingdom: Policy Press.
   Google Scholar
• Ginn, J., & Macintyre, A. (2013). UK pension reforms: Is gender still an issue? Social Policy and Society, 12(1), 91–103. doi:10.1017/S1474746412000504
   Google Scholar
• Glaser, B., & Strauss, A. (1967). The discovery of grounded theory. Chicago, Il: Aldine.
   Google Scholar
• Grady, J. (2015). Gendering pensions: Making women visible. Gender, Work and Organization, 22(5), 445–458. doi:10.1111/gwao.12096
   Web of Science ®Google Scholar
• Hardcastle, R. (2012). How can we incentivise pension saving? A behavioural perspective ( DWP. Working Paper 109). London, United Kingdom: DWP.
   Google Scholar
• Inland Revenue. (2015). KiwiSaver evaluation: Final summary report. A joint agency evaluation 2007–2014. Retrieved from http://thehub.superu.govt.nz/publication/kiwisaver-evaluation-final-summary-report
   Google Scholar
• Jacobs-Lawson, J., Hershey, D., & Neukam, K. (2004). Gender differences in factors that influence time spent planning for retirement. Journal of Women & Aging, 16(3–4), 55–69. doi:10.1300/J074v16n03_05
   PubMed Web of Science ®Google Scholar
• Kotecha, M., Kinsella, R., & Arthur, S. (2010). Research on predictions of income in retirement ( Working Paper No. 87). Leeds, United Kingdom: DWP.
   Google Scholar
• Langley, P. (2008). The everyday life of global finance: Saving and borrowing in Anglo-America. Oxford, United Kingdom: Oxford University Press.
   Google Scholar
• Liveris, C. (2014). Women shouldn’t have to rely on men to retire with dignity. Catalyst. Retrieved from http://www.catalyst.org/zing/women-shouldnt-have-rely-men-retire-dignity
   Google Scholar
• Lloyd, J. (2011). The science of saving: Pensions. London, United Kingdom: The Strategic Society Centre.
   Google Scholar
• Lusardi, A., & Mitchell, O. (2005). Financial literacy and planning: Implications for retirement wellbeing ( Michigan Retirement Research Center Research Paper No. WP 2005-108).
   Google Scholar
• Mabbett, D. (2012). The ghost in the machine: Pension risks and regulatory responses in the United States and the United Kingdom. Politics & Society, 40(1), 107–129. doi:10.1177/0032329211434692
   Web of Science ®Google Scholar
• MacLeod, P., Fitzpatrick, A., Hamlyn, B., Jones, A., Kinver, A., & Page, L. (2012). Attitudes to pensions: The 2012 Survey ( Research Report No. 813). London, United Kingdom: DWP.
   Google Scholar
• Madrian, B. C., & Shea, D. F. (2001). The power of suggestion: Inertia in 401(k) participation and savings behavior. Quarterly Journal of Economics, 116(4), 1149–1225. doi:10.1162/003355301753265543
   Web of Science ®Google Scholar
• Mason, J. (2002). Qualitative researching. London, United Kingdom: Sage.
   Google Scholar
• Office for National Statistics (ONS). (2015). Main results from the wealth and assets survey: July 2012 to June 2014. London, United Kingdom: ONS.
   Google Scholar
• Organisation for Economic Co-operation and Development (OECD). (2015). New OECD data and analysis revealing the wide gap in pension benefits between men and women. Retrieved from http://www.oecd.org/gender/data/newoecddataandanalysisrevealingthewidegapinpensionbenefitsbetweenmenandwomen.htm
   Google Scholar
• Payne, G., & Williams, M. (2005). Generalization in qualitative research. Sociology, 39(2), 295–314. doi:10.1177/0038038505050540
   Google Scholar
• Pension Policy Institute (PPI). (2016). The under-pensioned 2016. London, United Kingdom: TUC/JRF/AGEUK.
   Google Scholar
• Pension Policy Institute (PPI). (2017a). Policies for increasing long-term saving in the self-employed. London, United Kingdom: PPI.
   Google Scholar
• Pension Policy Institute (PPI). (2017b). Who pays the piper? An international comparison of employer and employee contributions to DC pensions. London, United Kingdom: PPI.
   Google Scholar
• Pension Policy Institute (PPI). (2018a). The impact of the introduction of automatic enrolment on future generations PPI briefing note number 105. London, United Kingdom: PPI.
   Google Scholar
• Pension Policy Institute (PPI). (2018b). Automatic enrolment in the gig economy: Modelling for Zurich. London, United Kingdom: PPI.
   Google Scholar
• Pensions Commission. (2006). A new pension settlement for the twenty-first century: the final report of the Pensions Commission. London, United Kingdom: The Stationery Office.
   Google Scholar
• Pensions World. (2015). Youngsters need reality check on pensions says Aegon. Retrieved from http://www.pensionsworld.co.uk/pw/article/youngsters-need-reality-check-on-pension-savings-says-aegon-12335409
   Google Scholar
• Pensions World. (2016). Employees’ contributions lag behind. Retrieved from http://www.pensionsworld.co.uk/article/employees%E2%80%99-contributions-lag-behind
   Google Scholar
• Pettigrew, N., Taylor, J., Simpson, C., Lancaster, J., & Madden, R. (2007). Live now, save later? Young people, saving and pension ( Research Report No. 438). Leeds, United Kingdom: Stationery Office.
   Google Scholar
• Prabhakar, R. (2017). Why do people opt-out or not opt-out of automatic enrolment? A focus group study of automatic enrolment into a workplace pension in the United Kingdom. Journal of European Social Policy, 27(5), 447–457. doi:10.1177/0958928717717656
   Web of Science ®Google Scholar
• Price, D. (2007). Closing the gender gap in retirement income: What difference will recent UK pension reforms make? Journal of Social Policy, 36(4), 1–23. doi:10.1017/S0047279407001183
   Web of Science ®Google Scholar
• Price, D. (2015). Financing later life: Why financial capability agendas may be problematic. Working with Older People, 19(1), 41–48. doi:10.1108/WWOP-12-2014-0042
   Google Scholar
• Quilgars, D., Jones, A., & Abbott, D. (2008). Does difference make a difference in financial planning for risk? Social Policy and Administration, 42(6), 576–592. doi:10.1111/j.1467-9515.2008.00625.x
   Web of Science ®Google Scholar
• Rinaldi, A. (2011). Pension awareness and nation-wide auto-enrolment: the Italian experience ( Center for Research on Pensions and Welfare Policies, Working paper 104/11. Turin, Italy).
   Google Scholar
• Ring, P. (2010). Governance and governmentality: A discussion in the context of UK private pension provision. Economy and Society, 39(4), 534–550. doi:10.1080/03085147.2010.510683
   Web of Science ®Google Scholar
• Rowlingson, K. (2002). Private pension planning: The rhetoric of responsibility, the reality of insecurity. Journal of Social Policy, 31(4), 623–642. doi:10.1017/S0047279402006773
   Google Scholar
• Scottish Widows. (2014). Women and pensions report 2014. Retrieved from: http://reference.scottishwidows.co.uk/literature/doc/2014_women_and_pensions_report.pdf
   Google Scholar
• Shaw, K., & Waite, K. (2015). Exploring the pension ‘X factor’ for generation Y men. Journal of Financial Services Marketing, 20(2), 122–132. doi:10.1057/fsm.2015.7
   Web of Science ®Google Scholar
• Strauss, A., & Corbin, J. (1990). Basics of qualitative research. London, United Kingdom: Sage.
   Google Scholar
• Strauss, K. (2014). Accessing pension resources: The right to equality inside and out of the labour market. International Journal of Law in Context, 10(4), 522–537. doi:10.1017/S1744552314000263
   Google Scholar
• Thaler, R., & Sunstein, C. (2008). Nudge: Improving decisions about health, wealth and happiness. New Haven, Conn: Yale University Press.
   Google Scholar
• Tomlinson, D., & Corlett, A. (2017). A tough gig? The nature of self-employment in 21st Century Britain and policy implications. Resolution Foundation. Retrieved from https://www.resolutionfoundation.org/publications/a-tough-gig-the-nature-of-self-employment-in-21st-century-britain-and-policy-implications/
   Google Scholar
• Tversky, A., & Kahneman, D. (1991). Loss aversion in riskless choice: A reference dependent model. Quarterly Journal of Economics, 106(4), 1039–1061. doi:10.2307/2937956
   Web of Science ®Google Scholar
• United Nations Women. (2015). Progress of the world’s women 2015–16. Retrieved from http://progress.unwomen.org/en/2015/pdf/SUMMARY.pdf
   Google Scholar
• Waine, B. (2009). New Labour and pension reform: Security in retirement? Social Policy and Administration, 43(7), 754–771. doi:10.1111/j.1467-9515.2009.00694.x
   Web of Science ®Google Scholar
• 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), 595–613. doi:10.1017/S0047279414000051
   Web of Science ®Google Scholar
• Webb, S. (2016). What sorts of pensions and savings delivery models are likely to be viable and fair across generations? In B. Franklin, C. Urzi Brancati, & D. Hochlaf (Eds.), Towards a new age: The future of the UK welfare state (pp. 69–74). London, United Kingdom: The International Longevity Centre-UK (ILC-UK).
   Google Scholar
• Wicks, R., & Horack, S. (2009). Incentives to save for retirement: Understanding, perceptions and behaviour – a literature review ( Research Report No. 562). Leeds, United Kingdom: Stationery Office.
   Google Scholar
• World Health Organisation (WHO). (2012). World health statistics. Retrieved from http://www.who.int/gho/publications/world_health_statistics/2012/en/
   Google Scholar