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Diversity, equity and inclusion in asset-backed pensions

This paper explores potential influences on the ability and willingness to save for retirement, in order to uncover how asset-backed pension systems could be more inclusive of diverse populations.

1 febrero 2023

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This paperillustrates the type of analysis that countries could conduct to betterunderstand what factors may explain lower participation from certainindividuals beyond labour market drivers, by looking at the views,attitudes, and expectations of individuals across socio-economiccharacteristics on a sample of adults from the UK.

Asset-backed pension systems may sometimes fail to account for all the diversity in modern societies.Women usually have more limited access to asset-backed pension plans compared to men. New forms ofwork are emerging, and asset-backed pension systems may not be agile enough to adapt to the situationof new types of workers. Additionally, personal views and beliefs may drive participation in voluntaryarrangements. All these factors may exclude certain groups of the population from asset-backed pensionsystems.

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