Savers ÌÜŪ¡Ê¤È¤¹¤ë¡Ë for a ¡ò250k ǯ¶â ´ð¶â, but typically ·ë¶ÉºÇ¸å¤Ë¤Ï¡¼¤Ê¤ë with a ÊúÍʤ¹¤ë ÉÔ­¡Ê¹â¡Ë at Â࿦

  • Savers are undershooting the ÉáÄ̤Ρ¿Ê¿¶Ñ¡Ê¤¹¤ë¡Ë ǯ¶â ´ð¶â Ū by nearly half
  • Â࿦ living costs have »¦Åþ¤¹¤ëd after two years of ¥¤¥ó¥Õ¥ì¡¼¥·¥ç¥ó?
  • How to get YOUR ǯ¶â on Àפò¤Ä¤±¤ë if it's Íî¤Á¤ëing short: Read our guide below?

Pension saving: People are falling far short of the average target of building a ¡ò250k pot, a survey finds

ǯ¶â saving: People are Íî¤Á¤ëing far short of the ÉáÄ̤Ρ¿Ê¿¶Ñ¡Ê¤¹¤ë¡Ë Ū of building a ¡ò250k ¥Þ¥ê¥Õ¥¡¥Ê, a Ä´ºº¤¹¤ë finds

Savers ÌÜŪ¡Ê¤È¤¹¤ë¡Ë for a ǯ¶â ¥Þ¥ê¥Õ¥¡¥Ê of ¡ò250,000 on ÉáÄ̤Ρ¿Ê¿¶Ñ¡Ê¤¹¤ë¡Ë but ·ë¶ÉºÇ¸å¤Ë¤Ï¡¼¤Ê¤ë with just over half of that in reality, new ¸¦µæ ÌÀ¤é¤«¤Ë¤¹¤ë¡¿Ï³¤é¤¹s.

People have ¡ò131,000 on ÉáÄ̤Ρ¿Ê¿¶Ñ¡Ê¤¹¤ë¡Ë by the time they reach Â࿦, a Â絬ÌÏ¤Ê ÉÔ­¡Ê¹â¡Ë in the ÎÌ they hoped to have ÍøÍѤǤ­¤ë to buy an annuity or Åê»ñ¤¹¤ë to À¸À®¤¹¤ë an income.

A ¡ò250,000 ¥Þ¥ê¥Õ¥¡¥Ê can buy an annuity - which ¶¡µë¤¹¤ës a Êݾڡʿ͡Ëd income for life - ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò12,091 a year at today Ψs, ¤Ë¤è¤ì¤Ð ´ð½à Life.

A ¡ò131,000 ´ð¶â can ¸½ºß¡¿°ìÈÌ¤Ë get you an annuity of ¡ò6,332 a year.

Many people now take advantage of ǯ¶â freedom to keep their ´ð¶â Åê»ñ¤¹¤ëd in old age, which gives you the chance to still?grow your ¥Þ¥ê¥Õ¥¡¥Ê as you make űÂàs.?

An ±Æ¶ÁÎϤΤ¢¤ë »º¶È Êó¹ð¡Ê¤¹¤ë¡Ë¡¿²±Â¬ which looks at what individuals or couples need for a ºÇ¾®¸Â, ²º·ò¤Ê or comfortable Â࿦ shows the costs have risen °ÕÌ£¤¢¤ê¤²¤Ë across the board over the past year.

A couple now need ¡ò59,000 a year to be comfortable in old age, ¤Ë¤è¤ì¤Ð the ½Ï¹Í¤¹¤ë¡¿¹Íθ¤¹¤ë from the ǯ¶â and Lifetime Saving ¶¨²ñ.

A Áª¤Ó½Ð¤¹¡¿ÆÈ¿È person needs to save even harder and ãÀ®¤¹¤ë a ¡ò43,100 income to cover meals out, holidays, theatre trips and a car, in ¿·µ¬²ÃÆþ to everyday ɬ¿Ü¤Îs.

> What to do if you ¶²¤ì¤ë your ǯ¶â is Íî¤Á¤ëing short: Scroll É餫¤¹¡¿·âÄƤ¹¤ë for a checklist?

The PLSA ¿Íʪ¡¿»Ñ¡¿¿ô»ús assume you qualify for a ½½Ê¬¤Ê ÌÀ¸À¤¹¤ë¡¿¸øɽ¤¹¤ë ǯ¶â, which rose to ¡ò11,500 this month, but the income ¿Íʪ¡¿»Ñ¡¿¿ô»ús do not ´Þ¤à ½êÆÀÀÇ, ½»Âð costs - if you rent or are still »Ùʧ¤¦¡¿Ä¶âing off a mortgage - or care ÎÁ¶âs.

See the below for what lifestyle you can have ¡¼¤Ë´Ø¤·¤Æ¡¿¡¼¤ÎÅÀ¤Çs of food and drink, Í¢Á÷¡Ê¤¹¤ë¡Ë, holidays, Ã夻¤ë¡¿ÉêÍ¿¤¹¤ës and social ±ó½Ðs at different income levels.

Single income household: Having one state pension rather than two means you need to save a bigger work or private pot before retirement

Áª¤Ó½Ð¤¹¡¿ÆÈ¿È income À¤ÂÓ: Having one ÌÀ¸À¤¹¤ë¡¿¸øɽ¤¹¤ë ǯ¶â rather than two means you need to save a bigger work or »äŪ¤Ê ¥Þ¥ê¥Õ¥¡¥Ê before Â࿦

Separate ºÇ¶á¤Î ¸¦µæ from comparison website Finder showed saving ·Ðͳ¤Ç ¼«Æ°¼Ö-enrolment will ¶¡µë¤¹¤ë just ¡ ò22,800 a year after ÀǶâ for people entering the Á´Ï«Æ¯¿Í¸ý today.

Finder's ¿Íʪ¡¿»Ñ¡¿¿ô»ús also assumed someone would receive a ½½Ê¬¤Ê ÌÀ¸À¤¹¤ë¡¿¸øɽ¤¹¤ë ǯ¶â, and they were ¤µ¤â¤Ê¤±¤ì¤Ð based on an ½¾¶È°÷ ½Ð»ñ¡¿¹×¸¥ of 5 per cent of salary - ´Þ¤àing ǯ¶â ÀÇ¶â µßºÑ from the À¯ÉÜ - a 3 per cent ¸ÛÍÑ¼Ô ½Ð»ñ¡¿¹×¸¥, ǯ¼¡¤Î Åê»ñ growth of 5 per cent and ÎÁ¶âs of 0.75 per cent.

Who pays what: Auto enrolment breakdown of minimum pension contributions. (Qualifying earnings are those between ¡ò6,240 and ¡ò50,270 of salary)

Who »Ùʧ¤¦¡¿Ä¶âs what: ¼«Æ°¼Ö enrolment ·èÎö¡¿¸Î¾ã of ºÇ¾®¸Â ǯ¶â ½Ð»ñ¡¿¹×¸¥s. (Qualifying ¼ýÆþs are those between ¡ò6,240 and ¡ò50,270 of salary)

´ð½à Life ÀßΩ¤¹¤ë half of retirees have ²ù¤¤¤ës about their ºâÀ¯¾å¤Î ½àÈ÷, with 53 per cent wishing they had started saving earlier, and 42 per cent that they had got ºâÀ¯¾å¤Î advice or »ØƳ¡¿¼ê°ú.

P ensionwise is a À¯ÉÜ-»Ù±ç¤¹¤ëd organisation which gives ²òÊü¤¹¤ë¡¿¼«Í³¤Ê Ǥ̿s on Â࿦ planning to over 50s, or see the box below if want help finding paid for ºâÀ¯¾å¤Î advice.

´ð½à Life Åêɼd 6,350 UK adults and results were Éé¤ï¤»¤ëd to be ¹ñ²ÈŪ¤Ë Âåɽ¼Ô¡¿¹ñ²ñµÄ°÷ on ½ÅÍ×¤Ê demographics.

'It can be hard to work out how much you need to save to ãÀ®¤¹¤ë your ´ê˾¡Ê¤¹¤ë¡Ëd ´ð½à of living in Â࿦, ÆÃ¤Ë earlier on in your career,' says Dean Butler, managing director for ¾®Çä direct at the ²ñ¼Ò¡¿·ø¤¤.

'It¡Çs even harder to stick to it, as everyday expenses and those one-off costs that come up in life À䤨¤º ¶¼¤¹ to move long-¾Î¤¹¤ë¡¤¸Æ¤Ö¡¿´ü´Ö¡¿ÍѸì saving É餫¤¹¡¿·âÄƤ¹¤ë the Í¥Àè ̾Êí¡Ê¤ËºÜ¤»¤ë¡Ë¡¿É½¡Ê¤Ë¤¢¤²¤ë¡Ë.

'ÌÀ³Î¤Ë there¡Çs a big gap between what people hope to save, and what they ¸½¼Â¤Ë do ? this is unsurprising, ÆÃ¤Ë when looking at it during a cost-of-living ´íµ¡, however the result can be a °ÕÌ£¤¢¤ê¤²¤Ë ¸º¤º¤ëd ´ð½à of living in Â࿦.

'ºÇ½ªÅª¤Ë, Í¿¤¨¤ë¡¿Êû¤²¤ëing as much as possible, as Áá´ü¤Ë as possible is the ½ÅÍ×¤Ê to a good Â࿦ ·ë²Ì.'

Dean Butler ¿½¤·¹þ¤à¡¿¿½¤·½Ðs the ¤Ë°ú¤­Â³¤¤¤Æ tips, and scroll É餫¤¹¡¿·âÄƤ¹¤ë for our guide to sorting out your ǯ¶â.

- Make sure you¡Çre taking advantage of all the Íø±×s of your ǯ¶â ·×²è¡Ê¤¹¤ë¡Ë and your ¸ÛÍÑ¼Ô ¿½¤·¹þ¤à¡¿¿½¤·½Ðs.

If your ¸ÛÍÑ¼Ô ¿½¤·¹þ¤à¡¿¿½¤·½Ðs a matching ·×²è¡¿±¢ËÅ, where if you »Ùʧ¤¦¡¿Ä¶â Éղà ½Ð»ñ¡¿¹×¸¥s your ¸ÛÍÑ¼Ô will match them, consider »Ùʧ¤¦¡¿Ä¶âing in the ºÇÂç¸Â ÎÌ you r ¸ÛÍÑ¼Ô will match to get the most out of it.

- Deciding to »Ùʧ¤¦¡¿Ä¶â some or all of your ÆÃÊ̼êÅö into your ǯ¶â ·×²è¡Ê¤¹¤ë¡Ë could save you »Ùʧ¤¦¡¿Ä¶âing some big ÀǶâ and ¹ñ²È¤Î Êݸ± deductions. Meaning you could keep more of it in the long run, and it could be a ¹­Âç¤Ê¡¿Â¿¿ô¤Î¡¿½ÅÍ×¤Ê way to give your ǯ¶â Ãù¶â a ¾å¤²¤ë.

- If you¡Çre able to, think about »Ùʧ¤¦¡¿Ä¶âing a little more into your ǯ¶â when you get a »Ùʧ¤¦¡¿Ä¶â rise or have a little extra Ãù¶â.

How to sort out your ǯ¶â if you ¶²¤ì¤ë it's Íî¤Á¤ëing short

1) If you are worried about whether you will have saved enough,?Ä´ºº¡¿Áܺº¤¹¤ë your ¸ºß¤¹¤ëing ǯ¶âs.?³µ¤·¤Æ speaking, you need to ask ·×²è¡¿±¢ËÅs the ¤Ë°ú¤­Â³¤¤¤Æ questions.

- The ¸½ºß¤Î ´ð¶â value.

- The ¸½ºß¤Î °Üž value - because there might be a ·ºÈ³¡¤È³Â§ to move.

- Whether the ǯ¶â is in a final salary or defined ½Ð»ñ¡¿¹×¸¥ ·×²è¡¿±¢ËÅ.?Defined ½Ð»ñ¡¿¹×¸¥ ǯ¶âs take ½Ð»ñ¡¿¹×¸¥s from both ¸ÛÍÑ¼Ô and ½¾¶È°÷ and Åê»ñ¤¹¤ë them to ¶¡µë¤¹¤ë a ¥Þ¥ê¥Õ¥¡¥Ê of money at Â࿦.?

Unless you work in the public ÉôÌç, they have now mostly ¼è¤Ã¤ÆÂå¤ï¤ëd more generous gold-plated?defined Íø±×?- career ÉáÄ̤Ρ¿Ê¿¶Ñ¡Ê¤¹¤ë¡Ë or final salary - ǯ¶âs, which ¶¡µë¤¹¤ë a Êݾڡʿ͡Ëd income after Â࿦ until you die.?

Defined ½Ð»ñ¡¿¹×¸¥ ǯ¶âs are stingier and savers ÂѤ¨¤ë the Åê»ñ ´í¸±, rather than ¸ÛÍѼÔs.?

- If there are any Êݾڡʿ͡Ës - for instance, a Êݾڡʿ͡Ëd annuity Ψ - and if you would lose them if you moved the ´ð¶â.

- The ǯ¶â ȯ¼Í¡¿¿äÄê at Â࿦ age. You can use a ǯ¶â calculator to see if you will have enough - these are ¹­ÈϰϤˤ錄¤Ã¤Æ ÍøÍѤǤ­¤ë online.

2) You should Äɲ乤ë the ͽ¬¡Ê¤¹¤ë¡Ë ¿Íʪ¡¿»Ñ¡¿¿ô»ús to what you ¿´ÇÛ¤¹¤ë getting in ÌÀ¸À¤¹¤ë¡¿¸øɽ¤¹¤ë ǯ¶â, which is ¸½ºß¡¿°ìÈÌ¤Ë ¡ò221.20 a week or around ¡ò11,500 a year if you qualify for the ½½Ê¬¤Ê new Ψ.?Get a ÌÀ¸À¤¹¤ë¡¿¸øɽ¤¹¤ë ǯ¶â ͽ¬¡Ê¤¹¤ë¡Ë here.

3) If you are tempted to ¹çÊ»¤¹¤ë your old ǯ¶âs, read our guide first to ³Î¼Â¤Ë¤¹¤ë you won't be penalised.

4) If you have lost Àפò¤Ä¤±¤ë of old ¥Þ¥ê¥Õ¥¡¥Ês, the À¯ÉÜ's ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ǯ¶â tracing service is here.?

Take care if you do an online search for the ǯ¶â Tracing Service as many companies using Îà»÷¤Î »Ø̾¤¹¤ës will pop up in the results.

These will also ¿½¤·¹þ¤à¡¿¿½¤·½Ð to look for your ǯ¶â, but try to char ge or flog you other services, and could be fraudulent.?