英国财政研究所（IFS）：英国退休后财富积累的种族差异（英文版）

Private pensions constitute the largest component of household wealth in the UK, and the vast majority of employees are automatically enrolled into workplace pension plans. Drawing on employer-reported pension data matched with the population census, we document that Bangladeshi and Pakistani employees are around twice as likely to opt out of their workplace pension as those from other ethnic backgrounds. Employees opting out do not receive their employer’s contribution to their private pensi