The affordability of saving into a pension is a key factor that puts many young people off retirement planning, according to an advice body.
Des Hamilton, technical director of the Pension Advisory Service (TPAS), said that many younger generations find it difficult to "bring retirement within their financial horizon".
He added that people generally prefer to focus on more immediate issues than pension saving.
"It's just something that's so far off and so remote compared to their next holiday or their next car or whatever it may be that immediate expenditure is more their focus," he explained.
"Looking beyond that, they'll be thinking about a mortgage."
In other related news, NFU Mutual's pensions specialist recently urged women not to put off their retirement planning.
She said that the raising of the state pension age and increasing life expectancy in the UK could particularly affect their saving for life after work as they generally have lower retirement savings than men.
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