NEARLY half of all adults in Scotland do not save in a pension, a new study has found. Pension saving in Scotland is significantly down on the UK average, with 49 per cent not putting money into a pension scheme, compared with 41 per cent across the UK as a whole, according to research by adviser and broker Brewin Dolphin. Instead it ADVERTISEMENTrevealed that 20 per cent of Scottish homeowners – and seven million UK homeowners in total – intend using their property to fund their retirement.

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