Aging demographics may make it more difficult for local governments to be able to provide state pensions, making a private or workplace pension even more important.
Summary
If you're working, you're likely paying into your state pension and maybe into your employer’s pension scheme too. But is that enough?
Here are 3 key reasons why you should probably be saving more:
1. An aging population
2. To avoid a lower income in retirement
When someone retires, their income typically reduces by around 40%. That's why you need to know your ‘replacement rate’ – the percentage of your income you’ll keep once you retire. There are several factors to take into consideration when calculating it. You can use a ‘pension calculator tool’ to run a projection for your pension. Once you know how your pension is doing, you can take steps to address any shortfall.
3. For greater peace of mind
Many retirees are surprised by how much their income drops, especially as living costs rise. Increasing your pension savings now can make a real difference. Reviewing what you’re likely to receive from your different pensions can help you determine if you may have a shortfall or not.
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Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 25 February 2026. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 25 February 2026
Doc ID: 4772176