Invest all your pension in shares Laith Khalaf, of Hargreaves Lansdown, said the data showed that savers would over time boost their pension savings considerably by investing in a strongly performing investment fund or a UK tracker fund, which aims to replicate the performance of the London stock market. Mr Khalaf said young savers were well placed to ride the ups and downs of the stock market in search of superior returns, so therefore did not need to pick conservative investment choices, such as bonds or property, which protect savers against stock market slides. "Balanced managed funds in company pensions are by their nature selected to be appropriate for everyone in the workforce, typically having only around 60pc to 70pc in shares," said Mr Khalaf. But many savers could do better over the long term by investing in more funds that solely buy shares. It might seem counter-intuitive but your pension is where you should hold your most adventurous investments, because you will not draw on it for so long. Mr Khalaf's views were echoed by other financial planners, including Patrick Connolly of Chase de Vere. Mr Connolly said company pension savers should have 100pc in funds that buy shares until they are in the 50s and are staring to think about retirement. "When you are saving in your 20s you have plenty of time to ride out stock market volatility, as over longer time periods you are bound to make decent returns," said Mr Connolly. But once savers have amassed a decent sum in their company pension and have reached a certain age, they should really start considering protecting their retirement pots by buying safer assets, such as bonds. But not all financial planners agree that young savers should make the bold decision to put all their pension savings at the mercy of the stock market. Brian Hill, a financial adviser at Jones Hill, said young savers should not put more than 85pc of their money in shares. He said savers would be better off investing in a mix of assets to protect their savings against falls in the stock market. I think having more than 85pc of your workplace pension in funds that buy shares is extremely dangerous, as stock markets are susceptible to sharp falls. Pension saving is like having a balanced diet, and by investing in a mixture of assets, including bonds and property, you will over the long run produce smoother and better returns.