Half of people are worried about running out of money in 退職
- Scotland has the highest 割合 of people worried about their 年金 マリファナ?
- A third of over-65s think they might run out of money during 退職?
- Older couples need £43,100 for a '穏健な' lifestyle, an 産業 報告（する）／憶測 says?
As many as 48 per cent of people are worried that their 年金 貯金 won't be enough to last them through 退職, a 報告（する）／憶測 （人命などを）奪う，主張するs.
And some 56 per cent said they 港／避難所't squirrelled away enough money for 退職, によれば 研究 from Investec Wealth & 投資.
Women 証明するd more worried than men, with 61 per cent 報告（する）／憶測ing 関心s, compared with 53 per cent of men.
Money worry: A third of over 65s are 関心d they might run out of 基金s in their 退職
While older people were the least likely to worry, a third of over-65s think they might run out of money during their 退職.
Of the over-65s that said they weren't worried, 43 per cent have a final salary 年金.
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存在 part of a final salary - also known as defined 利益 - 計画／陰謀 means that you are 保証（人）d a 安全な・保証する income from your previous 雇用者 based on the salary you earned, and your years 調印するd up to it.?
But these 計画／陰謀s are now mostly の近くにd to new entrants unless you work in the public 部門. Defined 出資／貢献 年金s, now 流布している in the 私的な 部門, take 支払い（額）s from both 雇用者 and 従業員 and 投資する them to 供給する a マリファナ of money at 退職. But they are stingier and savers 耐える the 投資 危険, rather than 雇用者s.
の中で those 老年の between 45 and 54, a whopping 70 per cent 報告（する）／憶測d 関心 with the 現在の size of their 年金 マリファナ, making them the most worried about their 退職.
Under-45s aren't far behind, however, with 67 per cent worried that they don't have enough for 退職, and 57 per cen t 恐れるing that they will run out of money during 退職.
In Scotland, 68 per cent said they are worried about not having enough money for 退職, while 62 per cent of Scots are also 関心d they will run out of money during their 退職.
The south east also 証明するd high on the 名簿（に載せる）／表（にあげる）, with 64 per cent 関心d that they don't have enough, and 57 per cent 恐れるing that their 年金 will run out.
Only in the east of England and in Yorkshire & the Humber were there 大多数s who said they aren't worried about not saving enough.
| 地域 | Worried about not having enough money for 退職 | 関心d about running out of money in 退職 |
|---|---|---|
| Scotland | 68% | 62% |
| South East | 64% | 57% |
| North West | 61% | 46% |
| North East | 61% | 44% |
| London | 60% | 47% |
| West Midlands | 57% | 45% |
| むちの跡s | 55% | 55% |
| East Midlands | 53% | 59% |
| South West | 51% | 47% |
| East | 49% | 42% |
| Yorkshire & The Humber | 41% | 44% |
広告 Babatunde, 借り切る／憲章d 財政上の planner at Investec, said: 'It is worrying to see the high numbers of people with 退職 貯金 who are worried about running out of money in 退職 and not having enough money saved.'
'Some of it may be explained by people worrying ahead of their actual 退職 and th at is a good thing if it encourages them to save more and to 捜し出す professional 財政上の advice.
'Ideally people should save as much as possible for as long as possible and we would 勧める anyone 関心d about 退職 貯金 to talk to a 財政上の 助言者.'
Just one in five new retirees can afford to 最高の，を越す up their 明言する／公表する 年金 for a 年一回の income of £31,300, the 量 needed for a '穏健な' lifestyle, compared with one in three a year ago, によれば the 年金 and Lifetime Saving 協会.
The income 要求するd for pensioners to lead this lifestyle has risen by 27 per cent over the last year, with a couple now needing £43,100, compared with £34,000 last year.
The PLSA income 人物／姿／数字s do not 含む 税金, or the cost of 住宅 - if you still rent or have a mortgage - or care.?
Based on Investec's 研究, 77 per cent of retirees have 報告（する）／憶測d a 落ちる in their 月毎の income since ending their career, with a 落ちる of more than 50 per cent for a ４半期/4分の1 of retirees.
一方／合間, 67 per cent of those yet to retire said they 推定する／予想する their 収入s to 落ちる, with just four per cent 心配するing an 増加する.
Is it too late to 上げる your 年金?
Helen Morrissey, 長，率いる of 退職 分析 at Hargreaves Lansdown, 示唆するs first working out what 肉親，親類d of lifestyle you want to have, and then how much you will need to 基金 that.
'人物／姿／数字s such as the PLSA's 退職 income 基準s are useful as a starting point but everyone has a different idea of what they want their 退職 to be so costs 変化させる,' she told This is Money.
At this point, you will be able to work out if your 年金 is in line with where it needs to be. Morrissey said: '年金 calculators can be hugely useful in helping you work out what you are on 跡をつける to receive and the 可能性のある 衝撃 of putting a bit more away. Using these 定期的に can really help you keep on 跡をつける.'
If you think that your 年金 is behind where you want it to be, there are 選択s to help you 増加する it ahead of your 退職.
Morrissey 示唆するs 増加するing 支払い（額）s into your 年金: 'Take the 適切な時期 to 上げる 出資／貢献s wherever you can - for instance if you get a 支払う／賃金 増加する or new 職業. It's easier to do this before you get used to having the extra money and spending it.
'If you 増加する your 年金 出資／貢献, it is possible that your 雇用者 will have a 出資／貢献 matching 政策 that can help to 追加する to your マリファナ without you having to do all of the hard work.
'Engaging with your 年金 throughout your working life and taking these 活動／戦闘s where possible can take a lot of the 恐れる factor out of 年金s and help you 計画（する） ahead with more 信用／信任,' Morrissey said.
How to sort out your 年金 if you 恐れる it's 落ちるing short
1) If you are worried about whether you will have saved enough,?調査／捜査する your 存在するing 年金s.?概して speaking, you need to ask 計画／陰謀s the に引き続いて questions.
- The 現在の 基金 value.
- The 現在の 移転 value - because there might be a 刑罰，罰則 to move.
- Whether the 年金 is in a final salary or defined 出資／貢献 計画／陰謀.?Defined 出資／貢献 年金s take 出資／貢献s from both 雇用者 and 従業員 and 投資する them to 供給する a マリファナ of money at 退職.?
Unless you work in the public 部門, they have now mostly 取って代わるd more generous gold-plated?defined 利益?- career 普通の／平均（する） or final salary - 年金s, which 供給する a 保証（人）d income after 退職 until you die.?
Defined 出資／貢献 年金s are stingier and savers 耐える the 投資 危険, rather than 雇用者s.?
- If there are any 保証（人）s - for instance, a 保証（人）d annuity 率 - and if you would lose them if you moved the 基金.
- The 年金 発射／推定 at 退職 age. You can use a 年金 calculator to see if you will have enough - these are 広範囲にわたって 利用できる online.
2) You should 追加する the 予測（する） 人物／姿／数字s to what you 心配する getting in 明言する／公表する 年金, which is 現在／一般に £203.85 a week or around £10,600 a year if you qualify for the 十分な new 率.?Get a 明言する／公表する 年金 予測（する） here.
3) If you are tempted to 合併する your old 年金s, read our guide first to 確実にする you won't be penalised.
4) If you have lost 跡をつける of old マリファナs, the 政府's 解放する／自由な 年金 tracing service is here.?
Take care if you do an online search for the 年金 Tracing Service as many companies using 類似の 指名するs will pop up in the results.
These will also 申し込む／申し出 to look for your 年金, but try to 告発（する），告訴（する）／料金 or fl og you other services, and could be fraudulent.?
