The UK 's small business owners have unrealistic expectations of their pension funds , according to a report by the Forum of Private Business and Clifton Asset Management . There also appears to be a significant over-reliance in residential property, with 63 per cent of Forum business owners believing their homes will help fund their retirement, even though the prices-to-income ratio is close to an all-time high, and with only London house prices buoyant at around £578,000 – more than double the national average. The report found that over half of Forum business owners expect a pension pot of under £ 500,000 ( $ 624,400 ) to fund their retirements . Furthermore , 45 % of business owners also expect that they will outlive their plans for retirement , while 40 % expect to sell their businesses to finance their retirement . Owners risk viewing their businesses as pensions and " do n’t realise how their pensions can actively contribute " to business growth , said Peter Seed , business funding specialist and head of PDS Accountancy .
The UK 's small business owners have unrealistic expectations of their pension funds , according to a report by the Forum of Private Business and Clifton Asset Management . The report found that over half of Forum business owners expect a pension pot of under £ 500,000 ( $ 624,400 ) to fund their retirements . Furthermore , 45 % of business owners also expect that they will outlive their plans for retirement , while 40 % expect to sell their businesses to finance their retirement . Owners risk viewing their businesses as pensions and " do n’t realise how their pensions can actively contribute " to business growth , said Peter Seed , business funding specialist and head of PDS Accountancy .