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Retirement planning news

Drawdown pensioners unaware of risks, study suggests

A new study by Age UK reveals growing anxiety among pension providers that retirees do not fully understand the risks of drawdown products – which may lead to a future ‘scandal’.

Lifetime ISA investors losing out to high fees

People using the Lifetime ISA to save for a first home, or to boost their retirement income, may be sacrificing thousands of pounds to avoidable management fees. But lower cost alternatives are available.

How accurate is my state pension forecast? The answer is, not very

It's getting harder to predict your state pension. Changes to state pension age and pension credit, alongside reports of forecasting errors, are creating uncertainty around this most important benefit.

How much pension pot do I need to retire at 55?

You'd need at least an estimated £650,000 pension pot to retire at the age of 55 or 57. But as well as a good pension pot, you also need a good retirement plan. Here's how you might set about creating both.

6 ways that advisers beat robots

So you’ve heard about ‘robo-advice’ – you’re just not sure what it means. Could online apps really deliver a service comparable to financial advice? Here are some reasons to be sceptical.

Retirees take extra care with pension withdrawals

People taking income from their pension pots are being unusually cautious at the moment, according to new figures. Economic uncertainty has prompted pensioners without a guaranteed income to spend less and take a prudent approach.

One day to save your pension

What if you had only one day to save for retirement? What would that day be like? We compress your life into 24 hours to show you how little time you have to build your pension pot. The clock is ticking… Article by Nick Green

Four solutions to the annuity problem

Pension annuity rates have been falling for some time. Can an annuity still provide could value for you in retirement, or should you explore other options? We take you through some ‘what if?’ scenarios to help you weigh up the alternatives to the traditional annuity. Article by Nick Green.

Deferred annuities - your retirement parachute

What is it about pensioners and parachutes? We turn 55 and feel suddenly compelled to fling ourselves from high places strapped to an outsized duvet cover. But by a neat coincidence, skydiving can teach us a crucial lesson about retirement. Article by Nick Green.

Your pension – plane or helicopter?

How will you set up your pension when your retire? Will it be something plain and simple, or a trickier (but more flexible) arrangement? These days it’s become harder to make your retirement plans take off – so find yourself a good co-pilot. Article by Nick Green.

Unpicking the State Pension ‘triple lock’

Whenever the government or the media talk about the State Pension, you’ll generally hear the phrase ‘triple lock’ being used. It sounds like a good thing, and it is - but not everyone knows exactly what it means. IFA Carl Roberts of Wealth and Tax Management unlocks its mysteries.

How to be an unbiased investor

Making investment decisions is a lot more complex than it seems. Even with experience and knowledge on your side, there are other factors than can sway your judgement without you even noticing. Jonathan Young of Gresham Wealth Management reveals the fascinating world of ‘investment bias’ – and how to overcome it.

Mapping your retirement journey

Retirement isn’t the end – it’s just another beginning. Join us as we explore the highways and byways of retirement income planning with our trusty guide Billy Burrows.

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