A survey on pension saving finds that many people believe individual contributions account for most of the value of a typical pension pot by retirement. Coverage says the study, by Standard Life, examines how individuals think their pension builds over a working life.

The reporting highlights that the most commonly held view is that personal payments contribute the largest share of a pension pot’s value. The articles focus on the survey’s finding about the gap between what people think and what actually drives pension growth, including factors such as investment performance and other influences rather than only what the individual pays in.

While both outlets present the same central result—what respondents most often credit as creating 65% of a typical pot’s value—their framing concentrates on correcting misconceptions and encouraging readers to understand how pension value is built over time.