Recent research from the National Association of Pension Funds has found that 15% of working adults don't believe they have saved enough for retirement, and are relying on an inheritance to provide the necessary funds, reports the Telegraph.

This is an increase of 5% over last year's figure, and adults in the 45-54 age group were found to be relying the most on the expectation of an inheritance.

According to the Telegraph, NAPF’s Joanne Segars said: “Those a decade or so away from retirement seem to be putting greater store in what might get left to them in a family will, perhaps because their own savings are inadequate. Less than half the workforce is putting anything into a pension, so most are in for a fall in living standards come retirement.”