A quarter of the people scheduled to retire this year are not ready to stop working, while one in eight have already delayed their retirement, research suggests.
Prudential's annual study of retirees showed that 23% of the people planning to retire this year were not ready to give up work altogether as 13% have already decided to stay on in their jobs.
The survey questioned 7,821 non-retired UK adults aged over 45, including 1,010 people intending to retire in 2014.
Overall, more than half of respondents said they considered working past the state pension age in an attempt to make their retirement more financially comfortable.
Of these, 43% would would consider working full-time while 57% would weigh up the idea of working part-time. A third said ideally they would prefer to continue in their current job with reduced hours.
The most common reason of this year's retirees for wanting to stay in work was to keep mentally and physically fit, alongside the ability to boost retirement savings or simply because they enjoyed working and didn't feel ready to retire just yet.
Prudential retirement income expert Stan Russell said: "For many people retirement is now a gradual process rather than a watershed where you simply stop working one day and become retired the next, and that is reflected in the change in attitudes shown by our research.
"What is important is that people plan ahead for retirement and do as much as possible to ensure a comfortable retirement by consulting a financial adviser or retirement specialist well ahead of their planned retirement date."
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