Retirees in Spain are the most comfortable in retirement and the majority earn at least 60% of the amount they were making at the end of their time working. But the most pronounced fears about having enough money to retire are also in Spain, where 73% of those yet to retire are worried or very worried about it.

Austrians are the least worried in Europe that they won’t have enough money to retire, followed by the Dutch and the Turks.

Brits are the most likely in Europe to consider their house is something they can sell to help fund their retirement. Of Britons with pension savings outside those required by the state, 36% would sell their home with the goal of having more money in their golden years.

Women in the Netherlands are the most likely in Europe to have pension savings outside those required by the state. Sixty-one percent of Dutch women are prepared in this way, compared to 39% for the European consumer.

Italian women are the least likely to have a non-state compulsory pension, with just 24% saying they have one. Italian men also have a low uptake, at 34%.

The global financial crisis made the least impact on expected retirement age in Luxembourg. Fifty-three percent there say it made no impact on expected retirement age.

People surveyed in Turkey expect to retire at age 55 on average, 10 years earlier than the European average. Although young, it is nine years later than Turks in the survey who have already retired – they finished working at 46 on average.