![\"Senior](\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2025\/12\/Dog-walking-1200x800.jpg\")
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Image source: Getty Images<\/p>\n
The State Pension isn\u2019t enough to live on. Retirees need \u00a313,400 a year just for a basic \u2018minimum\u2019 lifestyle, according to the Retirement Living Standards survey.<\/p>\n
If they want to be comfortable, they\u2019ll need a lot more than that, as this table shows.\u00a0<\/p>\n
Should you buy Persimmon Plc shares today?<\/p>\n
Before you decide, please take a moment to review this report first. Despite ongoing uncertainties from Trump’s tariffs to global conflicts, Mark Rogers and his team believe many UK shares still trade at substantial discounts, offering savvy investors plenty of potential opportunities to learn about.<\/p>\n
That’s why this could be an ideal time to secure this valuable research \u2013 Mark’s analysts have scoured the markets to reveal 5 of his favourite long-term ‘Buys’. Please, don’t make any big decisions before seeing them.<\/p>\n
Lifestyle targetSingle personCoupleMinimum\u00a3\u00a013,400\u00a3\u00a021,500Moderate\u00a3\u00a031,700\u00a3\u00a043,900Comfortable\u00a3\u00a043,900\u00a3\u00a060,600<\/p>\n
The new State Pension, paid to those who retire from April 6, is worth at most \u00a312,547. That\u2019s below the bare minimum required. Which is why it\u2019s essential to save under your own steam.<\/p>\n
I think the Stocks and Shares ISA<\/a> is one of the best ways of doing it.<\/p>\n How much income could I get from an ISA?<\/p>\n Right now, a popular choice for long-term ISA investors is to build a diversified spread of FTSE 100 shares offering both dividend income and growth<\/a>. They can re-invest the dividends to turbo-charge their total return when working, then draw them as income in retirement.\u00a0<\/p>\n Let\u2019s aim high here. How much would they need to generate income that\u2019s twice as much as the new State Pension \u2013 \u00a325,094 a year?<\/p>\n Add that to the State Pension, and their total income will be \u00a337,641. That\u2019s getting towards a \u2018comfortable\u2019 living standard for a single person, shown in my table.<\/p>\n Now let\u2019s say their portfolio generates an average yield of 5% a year. To hit that income target, they\u2019d need \u00a3752,820, which is a lot of money. Let\u2019s say somebody has 30 years before retirement. They\u2019d need to tuck away \u00a3505 a month, assuming an average total return of 8% a year.<\/p>\n That takes dedication and commitment, but the rewards are huge.<\/p>\n So how can I get a high yield?<\/p>\n