We have said in previous blogs that investment risk when drawing down your money is a lot different than when building money up. Let's explain why and what you can do about it. Why is
Continue ReadingTag: pension pots
Guided routes down and couples planning
Before the snow starts later this year, we are finally launching a fully Guiide plan linked pension product with a provider and investment manager. We are also adding partners income and savings for couples to
Continue ReadingDo I need retirement advice?
Sometimes you simply must get advice, such as if you want to transfer from a final salary pension scheme, but at other times it's a choice. So, should I get some? Advice is most relevant
Continue ReadingI want my whole pension pot as cash!
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
Continue ReadingMy home is my pension – but is it really?
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
Continue ReadingAdvice, Guidance or Coaching?
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
Continue ReadingNew, more flexible, income choices
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
Continue ReadingSmoothing out early years retirement income
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
Continue ReadingMaking drawdown income less bumpy
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
Continue ReadingRetirement Journey stage 4 – Track
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
Continue Reading