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We propose following independence to:

  • continue with the roll-out of automatic enrolment into a workplace pension

  • establish a Scottish Employment Savings Trust for people with low to middle earnings

  • launch a Financial Capability Strategy to help build people’s skills, knowledge and understanding about personal finance

  • work with the pensions industry in Scotland on the design of new pension products that will provide greater certainty to savers about the final value of their pensions

  • improve pension information, giving people personalised feedback on saving for their retirement

  • consider whether adjustments to tax relief arrangements would further incentivise saving

Source: Scotland's Future, Scottish Government, November 2013.