What do you think will happen to the state pension in the future?

[Darkling1]

I’ve heard people say that it may be means tested in the future. I’m in my late 20s and wonder what the state pension will look like years from now.

I’ve recently started to invest a small amount into a SIPP each month. I can’t help but worry about the state pension, especially as the age keeps rising.

I think the age of state pension will continue to rise over time. I can see it being pushed to 75 by the time I’m eligible to claim.

What do you think will happen to it?

Yes, my wording was inaccurate, I stand corrected there but I have always understood how it works. I was talking a bit more loosely about the basic principle, ie everyone pays in so everyone can take out. I’ve never been under the perception it’s a pension pot.

Good stuff.

Given that 100k pensioners died during Covid, quite possibly.

@taxguru You again. No comment.

Have a read through Chapter 2. It does provide some useful high level context.

https://obr.uk/docs/dlm_uploads/Fiscal-risks-and-sustainability-report-July-2025.pdf