An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt
Does being automatically enrolled into a pension lead to an increase in debt? This is vital to investigate since the scheme's purpose is to give people more money for retirement and not for them to have a large pension that is offset by the unintended consequence of more debt. Literature in thi...
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| Format: | Thesis (University of Nottingham only) |
| Language: | English |
| Published: |
2024
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| Online Access: | https://eprints.nottingham.ac.uk/79526/ |
| _version_ | 1848801125524832256 |
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| author | Brown, Adrian |
| author_facet | Brown, Adrian |
| author_sort | Brown, Adrian |
| building | Nottingham Research Data Repository |
| collection | Online Access |
| description | Does being automatically enrolled into a pension lead to an increase in debt? This is vital to investigate since the scheme's purpose is to give people more money for retirement and not for them to have a large pension that is offset by the unintended consequence of more debt. Literature in this area has given seemingly contradictory results. This paper seeks to address this by proposing an explanation for these differences – inertia. This paper explains how using a data set used by Gathergood et al. (2024), it would be possible to test if the theoretical argument of inertia may explain the literature’s findings. This paper does not have access to Gathergood et al. (2024) data, so it discusses how the data and hypothesised results could be analysed. If the theoretical argument of this paper is upheld by the data, then this research would provide policymakers with the insights needed to design auto-enrolment pension schemes that effectively avoid the unintended side-effect of debt. |
| first_indexed | 2025-11-14T21:02:29Z |
| format | Thesis (University of Nottingham only) |
| id | nottingham-79526 |
| institution | University of Nottingham Malaysia Campus |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-14T21:02:29Z |
| publishDate | 2024 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | nottingham-795262024-12-12T04:40:07Z https://eprints.nottingham.ac.uk/79526/ An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt Brown, Adrian Does being automatically enrolled into a pension lead to an increase in debt? This is vital to investigate since the scheme's purpose is to give people more money for retirement and not for them to have a large pension that is offset by the unintended consequence of more debt. Literature in this area has given seemingly contradictory results. This paper seeks to address this by proposing an explanation for these differences – inertia. This paper explains how using a data set used by Gathergood et al. (2024), it would be possible to test if the theoretical argument of inertia may explain the literature’s findings. This paper does not have access to Gathergood et al. (2024) data, so it discusses how the data and hypothesised results could be analysed. If the theoretical argument of this paper is upheld by the data, then this research would provide policymakers with the insights needed to design auto-enrolment pension schemes that effectively avoid the unintended side-effect of debt. 2024-12-12 Thesis (University of Nottingham only) NonPeerReviewed application/pdf en cc_by https://eprints.nottingham.ac.uk/79526/1/Adrian_Brown_MRes_thesis.pdf Brown, Adrian (2024) An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt. MRes thesis, University of Nottingham. pension auto-enrolement pensions debt |
| spellingShingle | pension auto-enrolement pensions debt Brown, Adrian An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title | An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title_full | An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title_fullStr | An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title_full_unstemmed | An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title_short | An object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| title_sort | object stays at rest unless acted upon by an unbalanced force: how pension auto-enrolment and the force of inertia cause debt |
| topic | pension auto-enrolement pensions debt |
| url | https://eprints.nottingham.ac.uk/79526/ |