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Image source: Getty Images<\/p>\n
Are you worried about the future of the State Pension and your standard of living in retirement? If so, you\u2019re not alone. The fear of not having enough money later on is driving me, like millions of other investors, to lean heavily into share investing.<\/p>\n
My view is that everyone should consider taking action to safeguard their financial health for later on. Here\u2019s why.<\/p>\n
Pension pressure<\/p>\n
Britain\u2019s benefits system is under stain as the country struggles with its enormous and growing public debt. With the country\u2019s elderly population rising sharply too, the future of the State Pension is increasingly uncertain.<\/p>\n
Research from consultancy Mercer underlines the pressure of these challenges. Its latest Global Pension Index showed the State Pension score decline to 71.6 out of 100. This is down from 73 last year.<\/p>\n
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Source: Mercer<\/p>\n
The State Pension declined on all three categories that make up its ranking: Adequacy, Sustainability and Integrity).<\/p>\n
I\u2019m not suggesting now\u2019s the time for panic. Mercer also says the UK\u2019s \u2018B\u2019 rating indicates \u201ca system that has a sound structure, with many good features but has some areas for improvement\u201c.<\/p>\n
However, a declining score in the UK suggest Britons need to take action to protect their future. In my opinion, investing in global shares is an excellent strategy to consider given the long-term performance of the stock market.<\/p>\n
A FTSE 100 portfolio<\/p>\n
Buying and holding FTSE 100<\/a> shares is one way I\u2019ve sought to target long-term wealth. These blue-chip stocks are famed for their ability to pay a reliable and healthy passive income, which can be compounded<\/a> through reinvestment to create long-term wealth.<\/p>\n The Footsie also features a large selection of high-performing growth stocks, providing investors the opportunity to achieve substantial capital gains.<\/p>\n