How Much Should You Have in Your Pension by Age? UK Complete Guide 2025

Most UK savers are dangerously behind on their pension targets - and they don't even know it. In this comprehensive guide, I break down exactly how much you need at every stage of your career using proven formulas from Fidelity, the Pensions and Lifetime Savings Association, and official ONS data.

Whether you're in your 20s just starting out, your 40s playing catch-up, or your 50s making final pushes towards retirement, this video gives you the concrete numbers and actionable strategies to hit your pension targets.

What You'll Learn:
Average pension wealth across age groups (25-74) and what's actually achievable
The gender pension gap: why women have £50k+ less at 50
Retirement lifestyle benchmarks: minimum, moderate, and comfortable living standards
The Salary Multiple Method: proven targets at every decade of your life
The Half-Your-Age Contribution Formula used by financial advisers worldwide
How compound interest can turn modest monthly contributions into £1 million+
The 4% Rule for sustainable retirement withdrawals (and why most people get it wrong)
Why 45% of retirees are withdrawing at dangerously high rates
Personalised action plans for your 20s, 30s, 40s, and 50s

Research & Data Sources:
Office for National Statistics (ONS): Average Pension Wealth by Age
Fidelity Retirement Guide: Savings Targets by Age
Pensions and Lifetime Savings Association (PLSA): Retirement Lifestyle Benchmarks 2025
PensionBee: The 4% Rule for Sustainable Withdrawals
FCA Data: Current Pension Withdrawal Rates & Risk Analysis

Take Action Today:
If you're behind on these targets, don't panic - but do act fast. Every month you delay costs thousands in future wealth. Maximise your employer matching, use salary sacrifice to reduce taxes, and increase contributions with every pay rise.

Investing App I Use:
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Sections:
0:00 Most people are dangerously underprepared for retirement
0:21 The current state of UK pension savings
1:24 How much you actually need in retirement per year
2:30 The half-your-age formula for pension savings targets
3:18 The salary multiples methods for pension savings targets
4:08 Age-by-age pension pot targets
5:14 State pensions
6:00 What to do if you're behind
6:35 The importance of starting early, plus the power of compound interest
7:09 The 4% rule for maintaining your pension pot
8:37 Your action plan for success

Disclaimers & Disclosures:
This content is provided for educational and entertainment purposes only. Dean Edward does not offer investment, financial, pension, or tax advice. The information presented in this video is general in nature and does not take into account the investment objectives, risk tolerance, or financial circumstances of any specific individual. It may not be suitable for all viewers or investors. When investing, your capital is at risk & you may get back less than invested. Past performance doesn’t guarantee future results.

This video is not intended to express political opinions or show preference toward any political party. While Dean Edward strives to ensure the accuracy of the information shared, no guarantees are made regarding its completeness or correctness.

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