@antonia_investing: The state pension age is rising. If you were born after April 1960, you won't get it until 67. Born after April 1977, your state pension age is currently set at 68. And a third government review launched in 2025 could move that again. The state pension in 2026/27 is £241.30 a week, £12,548 a year. Every year added to the state pension age is roughly £12,500 you don't receive. For anyone whose retirement plan relies heavily on the state pension, that is not a rounding error. The frustration is legitimate. You have paid National Insurance your entire working life. The terms keep changing. This is the case for building a private pension alongside it. You have more control over when you access it and how it is invested. From April 2028, the minimum access age rises to 57, though the government has indicated this will continue to sit at ten years below the state pension age, so it may rise again. Private pensions are also subject to legislative change, as the upcoming inheritance tax reforms from April 2027 demonstrate. Save privately, but understand the rules can shift here too. If you are relying on the state pension as your primary retirement income, you are relying on a system that has already changed twice and is under active review. That is a risk worth taking seriously now, not at 60. Check your state pension forecast at gov.uk. It takes two minutes and tells you your projected amount and when you can claim it. Then review your private pension contributions. The two should be working together. This post is for educational purposes only and does not constitute personal financial advice. Tax treatment and pension rules depend on individual circumstances and may change. Speak to an FCA-regulated financial adviser before making decisions about your pension. Sources: GOV.UK state pension age timetable | LegalClarity state pension age changes, May 2026 | Standard Life state pension 2026/27 | My Pension Expert state pension age review, 2026

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Tuesday 23 June 2026 15:12:58 GMT