The Scottish Widows Retirement Report 2026 part 4: The Impact of Vulnerability explores how health challenges, financial pressures and life events can affect people's ability to save for retirement.
Scottish Widows' Retirement Report research shows that vulnerability is a common part of life, with around six in ten UK adults experiencing at least one characteristic of vulnerability.
The report examines the links between vulnerability, financial resilience and retirement outcomes, highlighting the need for more flexible support, better engagement and a retirement system that reflects the realities of modern life.
Vulnerability is not a niche issue
30 September 2026
Vulnerability is a reality for millions of UK adults, shaping retirement outcomes through health, finances and changing life circumstances.
The vulnerability challenge and what it means for retirement
30 September 2026
Health issues, financial pressures and caring responsibilities can disrupt retirement saving and increase the risk of poorer outcomes.
Designing a retirement experience around real people
30 September 2026
Retirement support should reflect real lives, combining simple digital tools, clear guidance and human support when needed.
Managing vulnerability
30 September 2026
Better resilience, flexible support and understanding customer needs can help people stay on track towards retirement goals.
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