A new survey by Scottish Widow has found that a growing number of people are failing to save anything for their retirement.
Some 22% of those aged between 30 and state pension age and who earned at least £10,000 a year were not putting anything aside, pension provider said.
Questioning 5,200 UK adults they found this figure had grown from 20% a year ago.
The government is introducing a system of automatic enrolment of employees into a pension from October.
This will be phased in over six years. The government intends that between four and eight million more workers will be recruited into existing company schemes, or alternatives set up to cover other workers.
"People failing to make any kind of provision for their later years are in a particularly precarious position," said Ian Naismith, of Scottish Widows.
"Some may think that they will be able to fall back on the state pension, property or a partner's pension and while these options may provide some level of support, saving nothing for retirement could be a fast track to financial problems."
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