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Retirement planning explained
Getting on the right path for a brighter future
Whatever stage you’re at with your retirement plans, there will always be decisions to make. Our guides are designed to help you understand the implications of these decisions. Our financial planning advisers are there to help you make the right ones.
Use the information and guidance here to get to grips with the wider issues of retirement planning.
Not made any retirement plans yet? Don’t wait any longer. We’re here to help you understand the issues. Our financial planning advisers will guide you every step of the way.
Why should you plan for your retirement?
How much money will you need when you retire?
Read our getting started guide for help in understanding your financial future.
Good, you’ve already started thinking about your financial future, it’s time to put your thoughts into action.
If you’ve already started a pension plan that’s great, but don’t let it go out of date. Consider whether or not you’re saving enough and making the most of the pension and ISA tax advantages.
It’s time for a review
Make sure you’re saving enough
For guidance on how you can keep your retirement plans on course, check out our planning for retirement guide.
When you near retirement age, you have to begin thinking about using your pension fund to buy your future income. You should also examine your other investments to make sure you get the most from them.
There are other issues to consider as well, such as inheritance planning.
Buying an annuity with your pension fund
Saving and investing for income
Retirement planning doesn’t end when you retire. There could still be scope to maximise your retirement income. Do you have money to invest? You might use it to generate more retirement income.
There are other issues to think about as well. Have you considered passing on your wealth to your dependants – and the resulting tax implications?
Make the most of your investments in retirement
Make some plans to pass on your wealth
The cost of delay could be more than you think
Put off saving for your retirement for just one year and it could cost you a lot more than you'll 'save'.
How long will you be retired for?
You could be retired for 25 years or more so you need a retirement plan that gives you a good income for a long time.
Risk explained
Some types of investments are riskier than others. The ones with more growth potential are usually higher risk.
Inflation explained
Over a number of years, inflation can reduce the purchasing power of your pension fund, and your retirement income.
State Benefit
The state won’t look after you – it’s up to you to make sure you look after yourself.
Common questions
Some of the questions we’re most often asked about retirement are answered here.
Financial planning advice
It's the first step for anyone who's serious about planning for their retirement. Our service is confidential and without obligation.