More than one in four Scots are at risk of becoming pension poor, according to Scottish Widows research.
It's because they're under pressure to support struggling members of their family.
Research shows that many people will turn to their unlocked retirement pots when new pension freedoms are introduced in April.
Scottish Widows says the reforms could have a knock-on effect to intergenerational finances, with more than a quarter of adults expected to fund care costs for elderly relatives or to invest in e.g. a property for children.
14% intend to rely on State support.
Carolyn Fairbairn, Chair, Centre for the Modern Family, said: "The reforms to the pension system announced in the 2014 Budget are transforming the retirement landscape. Although for many they will represent greater autonomy over how to use their savings in later life, it is important to consider the knock-on effects on families. Many may feel pressure to access their pots to support struggling family members in an already challenging
economic environment
"While it is reassuring that family members are seeing the importance of pulling together in this way, it is vital people are aware of all the short and long-term implications for retirement pots, and for policy makers and insurance companies to help people make an informed decision about how to best use their savings and manage their income in retirement."
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