A quarter of people in Scotland are saving nothing for retirement, according to a new study.

Younger people in particular struggle to put money away, Scottish Widows said.

Its survey found 70% of 22 to 29-year-olds were not saving adequately, compared with 51% of Scots in their 30s, and just 28% of 50 to 59-year-olds.

About 25% of workers save nothing towards retirement, up from 19% last year.

Catherine Stewart, retirement planning expert at Scottish Widows, said: "The drop in adequate savers in Scotland over the last 12 months is a real concern and it is especially concerning to see how much the younger generation is struggling to put enough away for later years."

Scottish Widows said auto-enrolment schemes have helped but contributions need to be raised to a "combined 12% employer and employee contribution" for an adequate level of saving.

Debt, student loans and credit card bills were also highlighted as 29% of Scots said they could not afford to save more than they currently do into a workplace pension.

Scottish Widows believes better use of technology and social media is needed to encourage younger workers to save.