Over a fifth of UK adults could struggle to make ends meet when they retire as they have no pension savings, a new report has revealed.

A poll of over 5,000 British consumers by a retirement income specialist has revealed that 22 per cent of respondents are set to rely solely on the state pension for their retirement income, a rise of two per cent from last year.

The annual Scottish Widows Pensions Report also revealed that just 46 per cent of UK adults are saving enough for their retirement, with this figure dropping to 32 per cent in the north east.

This is largely due to nearly three-quarters (73 per cent) of respondents other financial commitments above paying into a pension.

Just under a third (30 per cent) were more concerned with paying off debts, while 40 per cent used funds for general 'living expenses' instead.

Despite many failing to save adequately for retirement, 41 per cent of people would like to retire when they hit 60.