Promoting inclusivity in pension protection and saving among men and women from black and minority ethnic communities in the UK: a mixed methods study

晚年是个人在整个生命历程中积累经验和资源的阶段。对于来自特定黑人和少数民族（BAME）社区的老年人来说，与英国白人相比，晚年生活中经济资源不足和贫困的风险更高。然而，我们对来自不同BAME社区的个人在养老金和其他类型储蓄方面的差异的理解仍然有限。我们也不知道这些社区的个人如何理解晚年的财务规划，也不知道男女之间、年轻人和老年人之间是否存在差异。通过一种创新的混合方法，包括对两个国家数据集（了解社会和家庭资源调查）的统计分析，以及对来自BAME社区的中年和老年人的定性访谈，该项目旨在通过将来自BAME社区的个人置于调查的核心来解决这一差距。在采访之前，受访者将收到一次性相机拍照，对他们来说，这些照片显示了晚年财务规划的意义。这些照片将成为访谈的中心，让受访者讲述他们的生活经历和观点，并分享以前学术研究可能没有捕捉到的见解。该项目的最终目标是通过邀请来自不同年龄组的个人的观点，并以前所未有的方式结合不同类型的数据和信息，为BAME社区个人的养老金保护和其他形式的储蓄提供新的见解。除了期刊文章形式的学术产出外，该项目从一开始就将举办一些非学术参与活动。将邀请由用户代表和养老金领域的地方和国家利益相关者组成的咨询委员会，如AgeUK的南安普顿分支机构和南安普顿市议会促进“更强大的社区”、社区参与和更好的就业机会和技能的团队，包括来自BAME社区和更广泛社区的老年人，讨论研究的目标以及如何最好地实现这些目标。该小组将每6个月与项目团队举行一次会议，讨论初步调查结果，董事会所有成员都可以提出他们的意见。该项目旨在将BAME社区个人的观点置于养老金保护政策和公共辩论的核心。为此，在受访者的允许下，他们的一些照片将在温彻斯特艺术学院画廊和南安普顿的一个社区中心公开展出，并通过南安普顿市议会的公共图书馆网络进行宣传，作为南安普顿“文化之城2025”倡议的一部分。摄影展还将用于与英国东南部的中学生、来自南安普顿养老金领取者论坛的年轻人、中年人和老年人以及更广泛的社区进行小规模的接触，以促进不同年龄组之间和不同年龄段之间关于为以后的生活做财务准备意味着什么的进一步讨论。最后，咨询委员会的成员还将被邀请参加由该项目在伦敦组织的最后一次传播研讨会，该研讨会由威斯敏斯特议会议员组成的跨党派养老金议会小组主办。该项目旨在超越绘制养老金保护的种族差异，并将来自BAME遗产的人置于本研究的中心，以便提供一个包容性和更全面的理解，即为以后的经济安全生活做准备意味着什么。

Later life is where individuals' experiences and resources from across the life course accumulate. For older individuals from particular Black and Minority Ethnic (BAME) communities, later life comes with a higher risk of having low financial resources and experiencing poverty compared to White British persons. However, our understanding of the differences in pensions and other types of savings between individuals from different BAME communities remains limited. We also don't know how individuals from such communities themselves understand financial planning for later life, and whether there are differences between men and women, and between younger and older persons. Through an innovative, mixed methods approach which involves statistical analysis of two national datasets (Understanding Society and Family Resources Survey) and qualitative interviews with mid-life and older persons from BAME communities, this project aims to address this gap by placing individuals from BAME communities at the heart of the investigation. Ahead of the interviews, respondents will be sent disposable cameras to take pictures which, for them, show what financial planning for later life means. These photos will form the centre of the interviews, allowing respondents to talk through their lived experiences and perspectives, and share insights which may not have been captured by academic research before. The project's ultimate goal is to offer new insights into pension protection and other forms of saving among individuals from BAME communities by inviting the perspectives of individuals from different age groups, and by combining different types of data and information in a manner which has not been done before.In addition to academic outputs in the form of journal articles, the project will host a number of non-academic engagement activities from the start. An Advisory Board made up of a user representative and local and national stakeholders in the area of pensions, such as the Southampton branch of AgeUK and the Southampton City Council's teams promoting 'Stronger Communities', community engagement, and better employment opportunities and skills across the population, and including older persons from BAME communities and the wider community, will be invited to discuss the aims of the research and how best to achieve them. This group will meet every 6 months with the project team, where preliminary findings will be discussed and all members of the Board can feed in their views. The project aims to place the perspectives of individuals from BAME communities at the heart of policy and public debates on pension protection. To that end, and with the respondents' permission, a selection of their photos will be exhibited in public at the Winchester School of Art Gallery, and in a Community Centre in Southampton and advertised through the Southampton City Council's Public Libraries network as part of Southampton's 'City of Culture 2025' initiative. The photo exhibition will also be used to engage with smaller groups of secondary school pupils in the South-east UK, and with young adult, mid-life and older women and men from the Southampton Pensioners Forum and the wider community, in order to facilitate further discussion among and between different age groups on what it means to financially prepare for later life. Finally, the members of the Advisory Board will also be invited to attend the final Dissemination Workshop organised by the project in London, and hosted by the All-Party Parliamentary Group on Pensions which is made up of Members of Parliament at Westminster. This project aims to move beyond the mapping of ethnic differences in pension protection, and to place persons from a BAME heritage at the centre of this research, in order to provide an inclusive and more holistic understanding of what it means to prepare for a financially secure later life.