Brits could save thousands of pounds more for their retirement, it has been revealed.
Workers in the UK can increase how much they are invested in the stock market, which could grow their pension pot by £100,000.
Usually you can increase the amount you'll have in retirement by paying more into a pension each month or week through work.
But those saving the most they can will find that there's another way to grow their pot.
New figures show that a 22-year-old earning £22,437 a year could grow their pot by thousands of pounds.
It can be done by increasing the amount their pension is invested in stocks and shares.
If they had 35% of their pension savings equities they would have about £125,800, figures by Interactive Investor and LCP found.
But if that's increased to 60%, it could be worth £157,700.
Employees over the age of 22, who earn more than £10,000-a-year, are now signed up to a pension by their employer.
You pay 5% of your pay and your employer puts in at least 3%, a minimum contribution of 8% in total.
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Dan Mikulskis, partner at LCP, said: "Millions of young people in particular are currently invested in 'default funds' which are designed to be broadly suitable to a wide range of investors. Many of these are designed with an aim to manage risk.
"Taking more investment risk is always a tricky balance, but by moving more of their pension into growth assets such as equities, younger people could expect a better return and could save themselves having to work well into their seventies."
He said the older you get the less risk it's recommended you take with your pension savings.
But generally people would start to "de-risk" their pension pots several years before retirement.
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Rebecca O'Connor, head of pension and savings at Interactive Investor, told The Sun: "De-risking means reducing the allocation of equities and keeping more of your pot in cash and bonds, to reduce the risk of losses, if the stock market takes an unfortunately timed nosedive right before you retire.
"But these days, as more people are keeping their pension invested for longer and using drawdown to access it, it can often make sense to keep a higher proportion of your pension pot invested in equities, for growth, for longer.
"If you are continuing to work and earn some income through retirement, there is less need to de-risk a quite so quickly as you get older."
Savers could find out how their pension is invested by contacting their provider.
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