School of Social and Political Science

Lynne Robertson-Rose

Job Title

Career Development Fellow (Pensions)


Room number


Building (Address)

Chrystal Macmillan Building

Street (Address)

15a George Square

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Country (Address)


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Academic Qualifications

PhD, Social Policy - University of Edinburgh, 2016

MSc by Research, (Distinction), Social Policy - University of Edinburgh, 2011

Recent Publications

Robertson-Rose. Lynne, (2019). Understanding Default Behaviour in Workplace Pensions Journal of Social Policy.

Robertson-Rose. Lynne, (2019). Because my Father Told me to: Parental Influence on Saving for Retirement. Journal of Family & Economic Issues,

Robertson-Rose. Lynne, (2018). Good Job, Good Pension: The Influence of the Workplace on Saving for Retirement.  Journal of Ageing & Society, pp 2483-2501 DOI: 

Robertson-Rose. Lynne, (2016) Behavioural Responses to Automatic Enrolment in Workplace pension Schemes

Recent impact and knowledge exchange activities

Sep 2019: Society of Payroll Specialists Annual Conference, Edinburgh.

Invited speaker, Behavioural influences on Saving for Retirement-Advice for HR.

May 2019:  Seminar for SMEs funded by CAHSS Knowledge Exchange Grant (£3050). Conference organizer and speaker. Engaging employees of SMEs with workplace pensions.

Nov 2018: Financial Conduct Authority Pension Techsprint, Edinburgh.

Keynote speaker. Behavioural influences on Saving for Retirement.

July 2019: British Society of Gerontology 48th Annual Conference, Liverpool.

Financial Preparations for Later Life–Intergenerational Influences.

July 2018: British Society of Gerontology 47th Annual Conference, Manchester.

Financial Preparations for Later LifeInfluence of the workplace  

Current Undergraduate Teaching (2020-21)

Social Policy and Society ( Pension Needs, Rights and Responsibilities). Social Inequality and the Life-course (Poverty in Old Age).  Evidence, Politics & Policy (Intergenerational Equity). Politics of the Welfare State (Housing Policy & Welfare Pluralism). 

Current Postgraduate Teaching (2020-21)

Economic Issues in Public Policy ( Pensions, Taxation,  Economic Foundations). 

Past teaching includes Political Issues in Public Policy, European Social Policy. Rethinking the Financial Crisis. Analytical Perspectives in Social Policy, Advanced Issues in Social Policy, Industrial Relations (for Edinburgh Business School), Managing Employment Relations (for EBS), 

Financial Skills & Experience

I have over twenty years of work experience in the financial sectors in Edinburgh, London, and Luxembourg primarily trading equities and derivatives.  I provide ongoing advice on behavioural insight and work on a consultancy basis conducting research for several financial institutions.

I am a fully qualified Independent Financial Advisor and member of the London Institute of Banking & Finance

Research interests

Research interests

Pension policy, retirement savings behaviour, Population ageing, Behavioural responses to social and public policy (nudge effects), Ageing & equality, Housing

My research interests lie at the crossroads between social policy, behavioural insights and personal finance, and I am especially interested in how we accumulate assets throughout the life course and how to to fund retirement. My main area of expertise is defined contribution pensions, but I am keen to be involved in research that examines the impact of demographic ageing and financial capability.  I have a particular interest in behavioural responses to social and public policy (nudging effects)

Current research bids

I am Principal Investigator on a research proposal to the Standard Life Foundation which has been shortlisted and is currently at the final review stage

Financially Vulnerable Older Workers’ Retirement Savings

The aim of this project is to provide a comprehensive picture of financial distress amongst financially vulnerable workers over the age of 55 and to identify support solutions.

Our quantitative data set includes financial transaction data from tens of thousands of individuals. We will use Survival Analysis-Cox Proportional Hazards models to quantify risks in terms of the probability of falling into financial difficulties.

The quantitative work is complemented by qualitative research with key stakeholders in Scotland. We plan to engage through online focus group forums with Scottish-based organisations supporting financially vulnerable citizens aged 55+.

The project involves a cross-disciplinary team from the School of Informatics, The Global Open Finance Center of Excellent and Social Policy

Beyond the 10,000 steps. Managing less visible aspects,

Submitted to the ESRC Healthy Ageing Social Behaviour and Design July 2020

The project aims to understand the ways in which physical, mental and financial well-being interact with workplace culture and constrain and enable people to work productively in later life. It will use this knowledge to co-design, pilot and evaluate innovative workplace interventions

The multidisciplinary proposal was submitted by Professor Wendy Loretto of the Edinburgh Business School.

I am the lead investigator on the Financial Wellbeing work steam. The aim is to understand where older workers sit on the continuum of financial health as they age.

Recent research

2019-2020: Investigating Pension Provision Amongst Non-Academic Staff in the UK University Sector

Methods: Quantitative analysis.

An investigation into differences in pension scheme opt-out rates between employers. It seeks to identify employer practices that encourage and discourage employees from opting out of workplace pensions. The study uses a unique dataset of 30,000 individuals from 40 employers. The dataset includes enrolment status, gender, age, salary bands and contract status. The focus is on low-paid employees. The study uses regression analysis and multilevel modelling to determine if variability in opt-out is due to employee characteristics or factors unique to each institution.

2012-2016: Retirement Savings Behaviour in Workplace Pensions. An Examination of Responses to Default Settings in an Automatic Enrolment Environment.

Methods: Mixed, including qualitative interviews and researcher-designed survey.

An investigation into retirement savings behaviour and automatic enrolment in a FTSE100 company. Research attention focused on financial planning, social relations and the work context. The project is the only workplace pension research to date that has investigated a homogenous group of workers at a single UK employer. 

2013–2015: Freedom of Choice in Occupational Pensions- UK country report’ Amsterdam Institute for Advanced Labour Studies, University of Amsterdam. This project was a comparative cross-national pension study in which I was responsible for co-authoring a report on choice in occupational pension schemes in the UK.


Pension Reform but interested in the supervision of other age-related projects.

If you are interested in being supervised by Lynne Robertson-Rose, please see the links below (opening in new windows) for more information:

Works within

Staff Hours and Guidance

My door is usually open so no appointment necessary but if you would like to fix a specific time please email me.