Your pension in your pocket
Our app makes it easy to keep an eye on your pension and plan for the future.
Latest reports
Our industry leading reports have been keeping track of the nation’s attitudes towards saving for retirement since 2005. Take a look at our most recent reports now.
Scottish Widows 2025 retirement report
In our 21st annual retirement report, we see that the number of people in the UK who are not on track for a minimum retirement lifestyle is growing, and over half know they aren’t saving enough for retirement. In this year’s report, we highlight certain groups who face particularly daunting retirement prospects including Generation Z (those in their twenties), middle-income earners and the self-employed.
We explore areas where more support is needed for additional financial goals like homeownership, affordable housing, and building emergency savings to boost financial independence.
Retirement Realities: Unlocking the workplace benefits
Discover the reality behind workplace pensions in our latest report, ‘Retirement Realities: Unlocking The Workplace Benefits’. We spoke to employees and employers across the UK and found a stark truth: over a third (34%) of workers risk not being able to cover their basic needs in retirement. Workplace pensions have the power to transform financial futures, but low engagement is stopping people from making the most of this vital benefit.
Women and Retirement Report 2025
Now in its 21st year, our Women and Retirement Report reveals the gender pension gap has widened to 32%, leaving more women at risk of poverty in retirement. With one in four women out of work for over five years by age 55, we highlight how women's career breaks for childcare, menopause or health significantly impact their retirement outcomes.
Closing the gender pension gap requires bold pension reforms and stronger decision-making support to help women secure a better financial future.
2025 Responsibly Invested Pensions Report
Saving into a responsibly invested pension can be one of the simplest ways for people to help build a better future, shaping the kind of world we live in by supporting people and planet, and aiming to provide more resilient pensions too.
Scottish Widows’ Responsibly Invested Pensions Report explores views from employees, employers and financial advisers on environmental, social and governance (ESG) issues to better understand perceptions and priorities when it comes to investing responsibly.
Scottish Widows Decumulation Report
Our new report ‘Decumulation: Understanding the Needs of the Nation’, shares the views of around 1,500 retirees and near-retirees towards accessing their pension savings.
The report highlights what is most important to people in finding the retirement income proposition that is right for them, highlighting the forms of decision making support that people would ideally like, not all of which is available today. Using the industry-first Retirement Matrix Tool to map products, simplifying things to make the public debate more accessible.
Investor Confidence Barometer 2024 Report
With insights from over 1,500 individuals, the Scottish Widows Investor Confidence Barometer provides a unique snapshot of how financial advisers, advised investors and non-advised investors are feeling about today's emerging industry issues.