The age you retire depends on how much is saved so far and how you want to draw an income. This looks a little different for everyone, but working out how you’ll afford living costs over the long-term is a good place to start.
When you’re ready to stop working or take a step back from work, you'll have to rely on the money you've saved throughout your life. Gain a better understanding of your savings and the best way to use them during retirement.
How much does a comfortable retirement cost? More time on your hands can mean more time to spend.
Allowances, tax brackets, and rules around when and how you access your pension savings can change at any time.
Any unused pension savings can usually be passed on tax free. This is not true for other savings and investment accounts.
Investing in SIPPs and ISAs shelter your returns from income and capital gains tax. These offer a useful boost to your nest egg.
Leaving some of your savings invested gives you flexibility and the potential for more income over time.
The decisions you make now will be among the most important you will ever make. Talking to a professional can give you peace of mind.
Use our drawdown calculator to understand how your savings will fund your retirement as you take an income. Speak to our planners to explore how we can help you plan your retirement and ensure you have enough money for the lifestyle you want.
Whatever retirement means to you, we’re here to help you establish a financial plan for the lifestyle you want.
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Whether you have a specific question or want ongoing support from a professional, we have a variety of options to help you understand your retirement income needs.
A carefully designed financial plan can give you the freedom to do even more of the things you want to do and maybe even things you never thought possible.
Each of our Financial Plans provide guidance and streamlined advice around a commonly asked financial question for people with non-complex needs.
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Charles Stanley is not a tax adviser.