"The question is not so much whether occupational pensions and private pension assets are protected as it would be fair to say that this is a certainty. The question, thus, is: how are they going to be protected? What would be the arrangement or policies put in place by the Scottish Government that would ensure this protection? It is likely that a deal would be reached in which the Scottish Government would accept the full liability for pensions, in order to guarantee their value and for continuity. That is in Westminster’s interests as well, as they would be required to honour these commitments anyway. It would also provide a guarantee for people from the rest of the UK that are living and saving in Scotland."
https://www.believeinscotland.org