Why the State Pension Age Review Matters (and What It Means for Your Future)

Big news today: the UK Government has launched an early review of the State Pension age, currently 66, with plans to raise it to 67 by 2028—and possibly accelerate that timeline. This review comes as spiralling costs (the triple-lock could cost £15.5 billion by 2030) and an ageing population strain public finances .

What really sticks with me is this: about 45% of working-age adults aren’t saving anything toward their pension—nearly half! . No wonder future retirees risk being poorer than today's. This isn’t just some distant policy issue. It directly reinforces why building your own assets and pension is critical.

Relying solely on the State Pension is looking less secure. Here’s where I stand:

• I’m actively investing in dividend stocks, REITs, peer-to-peer lending, and matched betting profits.

• I’m growing positions in SIPPs, ISAs, even thinking about private equity via crowdfunding — to ensure I’m not caught off guard by any future pension age rise.

• All these assets compound over time and give me flexibility—because the less you rely on the State Pension, the less risk you’re taking.

• Also, most people think that the state pension age is when they can retire, this is incorrect, you can retire when ever you want...you just need the assets to fund your life!

💡 Takeaway: Government policy is shifting—and likely in a worse direction (later retirement). So use it as motivation. You’ve got total control over your future. Build your own income streams now, and don’t wait for State support, as it probably wont be there.