The public "need to take action" if they want to retire at the age of 67.
This is according to director at Churchouse Financial Planning Keith Churchouse, who said a rise in the state pension age is "inevitable".
He also claimed there is a chance the fund could become means tested or even phased out altogether, as there is only a limited amount of money available.
Mr Churchouse noted it is "well known that the UK public are not saving enough for their retirement", especially as the majority are now living longer.
This means individuals need to start planning for the future if they want to "have a comfortable lifestyle when [they] get there", the expert concluded.
Charity Age UK recently delivered an over-sized postcard to 10 Downing Street in protest of plans to raise the state pension age for women, arguing that females have not been given enough time to prepare for the change.
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