Retirement

Your essential guide to: the state pension and how the goalposts will shift in future

We demystify the complex rules applying to those reaching retirement age after 6 April 2016.

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30-year pension plan: how to improve the odds of retiring early

Five years ago pension auto-enrolment was introduced. Employees and their employers are both now obliged to pay a sum corresponding to a small percentage of the employee’s income into a workplace pension.

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Isas versus Sipps: which is best over 40 years? We crunch the numbers

When it comes to drawing an income in retirement, there is one stark diff erence between an Isa and a Sipp: withdrawals from an Isa are tax-free, while only 25 per cent of your pension pot can be taken as tax-free cash.

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How to protect your pension pot from pound cost ravaging

Retirees need to withdraw money from their pensions to live on, but how much can they take out regularly with-out eroding their pension pots too quickly?

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My pension journey: how I shopped around and picked a Sipp provider

In the third leg of her pension odyssey, Heather Connon embarks on the process of setting up a Sipp for her various retirement funds.

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Can you safely withdraw 4 per cent a year from your pension?

Anna Sofat, a charted financial planner and managing director of Addidi Wealth Management, explains how to safely withdraw income directly from investments at retirement.

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Pensions versus Isas: a beginner's guide

The government is happy to incentivise people to invest, but is not keen to give them all their tax-break goodies in a single product. As such, it allocates a few to an Isa and a few to a pension.

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Top tips to avoid the most common retirement traps

Nearly two years on from the introduction of pension freedoms, the landscape has changed dramatically, with annuities no longer the default route for generating retirement income.

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My pension journey: lining up the pension pots and a free session with Pension Wise

After more than 30 years advising readers about their investments, savings and pensions, I now find myself having to take my own advice. Early next year, I plan to wind down my journalism and start drawing my pension.

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