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","2026-09-14T09:12:00.000Z",{"_type":69,"current":70},"slug","delaying-pension-saving-by-10-years","Delaying pension saving by 10 years could more than double annual contributions needed",[73,77],{"_key":74,"_ref":75,"_type":76},"5ccad4e59c0b","12b54bfa-9508-4e6d-9790-36e8dddeba40","reference",{"_key":78,"_ref":79,"_type":76},"9614f0cf5574","dbfef59d-460f-41e5-a801-48fa289a2a8a",[81,92,100,108,116,125,133,141,149,157,165,177,185,193,201,209,221,233,245,253,265],{"_key":82,"_type":83,"children":84,"markDefs":90,"style":91},"e1054f4f3d69","block",[85],{"_key":86,"_type":87,"marks":88,"text":89},"388578b6b774","span",[],"WEALTH at work, is urging people to check their pensions and be aware of the cost of delay when reviewing contributions and retirement plans. Put simply, this means checking whether you're saving enough for retirement now, rather than putting it off and potentially missing out on years of pension growth.",[],"normal",{"_key":93,"_type":83,"children":94,"markDefs":99,"style":91},"f7b68f9e80a7",[95],{"_key":96,"_type":87,"marks":97,"text":98},"8fef9f9ef9f3",[],"Increased living costs mean that pension savings may not be a priority, and some people may put retirement planning on hold altogether. However, this could have significant implications.",[],{"_key":101,"_type":83,"children":102,"markDefs":107,"style":91},"6f3b88a36127",[103],{"_key":104,"_type":87,"marks":105,"text":106},"c3ef97400392",[],"Research conducted by WEALTH at work among 2,000 UK workers with a defined contribution pension found that more than four in five (83%) are concerned living cost pressures will leave them less comfortable in retirement due to a shortfall in pension savings, up from 81% last year.",[],{"_key":109,"_type":83,"children":110,"markDefs":115,"style":91},"584517c4dcb9",[111],{"_key":112,"_type":87,"marks":113,"text":114},"2bcbaf486abd",[],"Concerns are particularly strong among younger workers, with almost half (46%) of 18 to 24-year-olds and more than two-fifths (41%) of 25 to 34-year-olds saying they believe they will never be able to afford to retire. This compares to an average across all ages of 38%.",[],{"_key":117,"_type":83,"children":118,"markDefs":124,"style":91},"d74d0a258f33",[119],{"_key":120,"_type":87,"marks":121,"text":123},"e8b2a2daf8d5",[122],"strong","Why the cost of delay when saving for retirement matters",[],{"_key":126,"_type":83,"children":127,"markDefs":132,"style":91},"e7f27559199a",[128],{"_key":129,"_type":87,"marks":130,"text":131},"81df37ea7e56",[],"When it comes to retirement saving, time is one of the most valuable assets. Starting early gives pension contributions longer to benefit from investment growth and compounding, whereas delaying means people may have to contribute significantly more later to achieve the same retirement outcome.",[],{"_key":134,"_type":83,"children":135,"markDefs":140,"style":91},"e5392a9744f7",[136],{"_key":137,"_type":87,"marks":138,"text":139},"b9a90c765646",[],"If someone aged 25 contributed a total of £2,400 per year into their workplace pension for 30 years (including both employer and employee contributions), they could build a pension pot worth £167,426 by age 55, assuming a 5% annual investment return. However, if they delayed saving for 10 years and only started contributing at age 35, they would need to contribute £4,825 per year for the remaining 20 years to reach a similar pension pot of £167,520 by age 55.",[],{"_key":142,"_type":83,"children":143,"markDefs":148,"style":91},"f2f9671ad904",[144],{"_key":145,"_type":87,"marks":146,"text":147},"45b0fecc078a",[],"This illustrates the cost of delay: waiting 10 years more than doubles the annual contribution required to achieve a similar outcome. The impact can be significant because delaying contributions may mean missing out on employer payments, tax relief and years of potential investment growth.",[],{"_key":150,"_type":83,"children":151,"markDefs":156,"style":91},"d2b10b4cd8cd",[152],{"_key":153,"_type":87,"marks":154,"text":155},"2da9e1eb041b",[],"For younger workers already under pressure from day-to-day costs, starting early can help make saving feel more manageable and gives pension savings more time to grow and benefit from the power of compounding. For example, someone in their 20s, saving just 1% more each year into a workplace pension can boost future savings by 25% in retirement if their employer was to match this.",[],{"_key":158,"_type":83,"children":159,"markDefs":164,"style":91},"b62cc597d1d5",[160],{"_key":161,"_type":87,"marks":162,"text":163},"c9c446acbe21",[],"People who are saving into a pension also need to check whether their current level of contributions are likely to be sufficient to achieve the sort of retirement they are hoping for, particularly if they started later or have gaps in their contributions.",[],{"_key":166,"_type":83,"children":167,"markDefs":176,"style":91},"b6b31a1cfe63",[168,172],{"_key":169,"_type":87,"marks":170,"text":171},"fab3c6ed15c2",[122],"Jonathan Watts-Lay, Director, WEALTH at work, comments: ",{"_key":173,"_type":87,"marks":174,"text":175},"04d95fbe447a",[],"“There are currently around 15 million people in the UK who are under saving for retirement, and this could rise to 19 million without action. ",[],{"_key":178,"_type":83,"children":179,"markDefs":184,"style":91},"39cd0a1780fb",[180],{"_key":181,"_type":87,"marks":182,"text":183},"4754e4d97309",[],"“Pension Awareness Day is an ideal opportunity to turn concern into action. By providing clear and tailored financial education, employers can help their employees to see the value of their workplace pension. This includes what the employee is paying, what the employer contributes, and how small changes could improve future outcomes.",[],{"_key":186,"_type":83,"children":187,"markDefs":192,"style":91},"b324e57c80ea",[188],{"_key":189,"_type":87,"marks":190,"text":191},"520f9f2a9f02",[],"He adds: “Retirement may feel a long way off, but the earlier people engage with their pension, the more time their savings have to grow. Many don’t realise the significant difference a small increase can make, particularly when an employer offers contribution matching. Finding a little extra today may feel challenging, but small changes such as budgeting, reviewing regular bills, and making use of workplace benefits can help people free up money for their future.”",[],{"_key":194,"_type":83,"children":195,"markDefs":200,"style":91},"32f96364605d",[196],{"_key":197,"_type":87,"marks":198,"text":199},"352b4b2c4d32",[],"He adds: “Employers have an important role in making support accessible, practical and relevant. Taking an active approach and supporting employees with financial education and guidance from reputable firms can make support provided far more robust. 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