An integral part of government policy is to encourage employees to make financial provision for retirement. This paper asks why eligible employees, particularly women, do not join their company schemes. This two‐stage study uses face to face interviews followed by a survey of 532 employees who have chosen not to become members of their company schemes. Findings highlight personal pension ownership and a requirement for flexibility and pension portability as the key reasons for non‐membership. The dominant reason given by women was the expectation that a partner would provide in retirement.
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