Pension Freedoms - Blog

Avoiding the pitfalls if taking a pension pot in one lump sum

I want my whole pension pot as cash!

9 May 202410 May 2024Pension FreedomsCash lump sum, pension calculator, Pension cash, pension freedoms, pension guidance, pension pots

The latest retirement data from the Financial Conduct Authority (FCA) is out. This shows almost 60% of pension pots are taken in one go as a cash lump sum. In sectors where many people work

Can home equity really be used for a retirement income in practice?

My home is my pension – but is it really?

26 January 202421 August 2024Pension Freedomsequity release, pension advice, pension calculator, pension freedoms, pension guidance, pension pots

Lots of us may have heard people say "My home is my pension". That's because for many people approaching retirement it's their largest asset. That's great, but there are a number of practical issues to

Advice, Guidance, Coaching.....what's the difference and which suits you best?

Advice, Guidance or Coaching?

23 January 202426 February 2024Pension Freedomspension advice, pension calculator, pension coaching, pension freedoms, pension guidance, pension pots, state pension

Making the right choices about your pensions, especially when you retire is really hard for anyone to do on their own. Thankfully, there are a number of ways you can get help! But, what will

The total income you want in retirement can come in all shapes and sizes, so we have updated to allow for this

New, more flexible, income choices

16 November 20235 February 2024Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

We now provide more flexibility around the shape of income you want in retirement. What you want in retirement will differ from person to person and can come in all shapes and sizes. You have

You told us you would prefer smoother income in the early years of retirement, here's how we can help.

Smoothing out early years retirement income

24 July 202324 July 2023Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

Retirement may last between up to 30 years for many people. No one knows how long it will be, which is a big risk in itself and a whole different topic. But for now, let’s

Drawdown income can be bumpy, but can you make certain parts smoother with a tailored investment fund?

Making drawdown income less bumpy

19 June 202319 June 2023Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

I am sure you know that drawdown income is not guaranteed. The amount you can take each year from your pots at any point during retirement , whilst making sure you don't run out of

At 75, You have been enjoying retirement for a while, what do you need to keep doing now to make sure you get the best outcome.

Retirement Journey stage 4 – Track

16 June 202324 July 2023Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

I am ten years into retirement, what do I need to keep doing now? You have been enjoying retirement for a while. You know all the fixed pension payments you get from your State and

At 60, retirement is now getting real, what do you need to know to make sure it goes well from outset!

Retirement Journey stage 3 – Landing

13 June 202324 July 2023Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

I am approaching retirement, what do I need to think about when it comes to pensions? You may between 55 and 65. Retirement is now just around the corner, you may well be thinking about

At 40 gathering all the key information needed, then letting Guiide build you a plan is all that you need to do.

Retirement Journey stage 2 – Boost

17 May 202312 July 2023Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

I am 40, what do I need to think about when it comes to pensions? You could be in peak career mode now, but retirement doesn't seem light years away anymore does it? You can

At 25 don't get bogged down in detail, just do the simple things right to get up and running.

Retirement Journey stage 1 – Launch

15 May 202317 May 2023Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

I am 25, what do I need to think about when it comes to pensions? Pensions are confusing. They are even more confusing when getting any money from them seems decades away. When you think