Scots, will become their main source of income when they retire, however, a spending watchdog has warned that young people are dropping out of payment schemes.
Most people will get a State Pension from the Uk Government to cover basic needs, but it is recommended that you also pay into a workplace pension.
However there is the chance to opt out of this which is happening more and more because for some, pension payments are rising or the the cost of living is increasing - this is why experts are predicting a pensions "perfect storm" and there is concern people will have inadequate incomes in later life.
By law, your employer must offer you a workplace pension scheme and they will automatically enrol you if you are eligible so that a portion.
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