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Image source: Getty Images<\/p>\n
The full UK State Pension currently stands at \u00a3230.25 a week, or \u00a311,973 a year. While that\u2019s better than nothing, it still falls short of the estimated \u00a313,400 needed to cover the minimum expenses of retirement.<\/p>\n
Sadly, I doubt things will get any better. With an ageing population, the State Pension\u2019s financial burden on the national budget is rising.<\/p>\n
Today, the eligibility age stands at 66 following an increase in 2021. Between 2026 and 2028, it will once again be hiked to 67. And while the original plan to raise the age to 68 was scheduled for 2046, there are growing rumours this timeline could be accelerated to the 2030s in an upcoming review.<\/p>\n
That\u2019s why I\u2019m taking matters into my own hands by investing in UK shares.<\/p>\n
My retirement strategy<\/p>\n
My retirement portfolio is designed to do one simple task \u2013 generate sustainable passive income to fund a comfortable pensioner\u2019s lifestyle. As such, it exclusively contains dividend-paying stocks.<\/p>\n
However, while most income investors are focused on the yield, my attention\u2019s actually on a firm\u2019s cash flow-generating<\/a> capabilities. That\u2019s because in the long run, a firm with expanding cash flows can also consistently increase its dividends over time. And when left to compound, an initial modest yield can grow into a monstrous, sustainable payout.<\/p>\n A pick from my portfolio<\/p>\n There are the proven giants such as British American Tobacco and Halma sitting on impressive 25-year-plus dividend hiking streaks. But with many of these businesses having already reached maturity, the growth rates are pretty lacklustre in low single digits.<\/p>\n That\u2019s why for my portfolio, I\u2019m hunting for the companies near the beginning of their dividend hiking streak. And one of my favourite picks in this arena might be a bit surprising. It\u2019s Games Workshop (LSE:GAW<\/a>).<\/p>\n The niche hobby business is the mastermind behind the Warhammer franchises and it makes the bulk of its money from selling plastic miniatures.<\/p>\n On the surface, that doesn\u2019t exactly sound like a high dividend-growth enterprise. Yet in practice, the firm commands extraordinary pricing power from a cult-like following of its core customers. And now that the group\u2019s begun ramping up its expansion into digital media, its long-term growth potential remains substantial, in my eyes.<\/p>\n