Many workers are heading for disappointment when they retire on far less comfortable pensions than those enjoyed by today's older generation, a finance expert warns. Employers dumping generous, guaranteed final salary pensions and government hikes to the state pension age are among eight hurdles that will make people saving now poorer in retirement than they now realise. You could be in for a nasty surprise, especially if you lost income or your job in the pandemic, and even if you are prepared to make up the gap the options are basically saving harder and working longer. Pension saving: Many workers are heading for disappointment over future retirement incomes