The Scottish independence referendum - what could independence mean?
The Scottish government has published details of how independence could affect pensions and other finances.

If Scotland voted ‘yes’ to Scottish independence, what could it mean for state pensions? Would you receive more if Scotland was independent? Over the last few months I’ve received a number of emails about Scottish independence from women who would like to know how it could affect them financially. The truth is that we don’t know what will happen, but here's what we know so far.

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10 tips to help you get the most from pensions and retirement saving
Women retire on far less than men - don't put off saving for your pension

We all know that most of us aren’t saving enough for retirement, and research shows that women are generally saving less than men. There are a number of reasons for this - women tend to earn less than men, and if they take time out of the workplace to bring up children, find it harder to save. But don't put it off forever.

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New research shows that almost two thirds of women aged 25 - 34 haven't started to save for retirement
Women aged 25 - 34 want to retire on £29,000 a year, but think that a pot of £142,000 will provide that (it won’t!).

Yesterday I held my SavvyWoman retirement event and one of the speakers talked about how retirement – and saving for it – tends to be a lower priority for women than men. And while women aged 25 – 34 would like to retire on £29,000 a year, they underestimate how much they’ll need to save to retire on that amount.

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The material provided on this website is general information that is intended for general guidance and is not suitable for professional advice.
You should always obtain independent financial advice.