It is a well-known fact that self-employed people take few measures for their retirement. The second pillar pension is largely absent and third pillar products are used only sparsely. The majority is pinning their hopes on the state pension or on working longer, and the question is how things stand under the Future of Pensions Act (Wtp) with the current pension efforts and expectations of the self-employed and what they consider a good pension provision.

To shed light on this, we will survey self-employed workers and employees (as a comparison group) who were surveyed in 2021 about their work and their pensions (see Damman and Kraaykamp, 2022) again, to see if (1) the white (and perhaps gray) spots are less prominent, (2) whether pension awareness has increased, and (3) what the status is of self-employed workers’ trust in the players (insurers, pension funds, government, banks) in the pension market. The development over time (2021-2025) is the focus, as well as the determinants behind it.