What Retirement Income You Need

What Retirement Income You Need

Do you know what retirement income you will need? Or what your spending will look like in retirement?  Do you know how much retirement income your current pension and investment portfolio will deliver?   When I start working with clients, many struggle to comprehend...
Investment Risk Just Before Retirement

Investment Risk Just Before Retirement

Over many years it was considered appropriate to reduce your investment risk just before retirement.    After all, if you are soon to be taking money out of your pension fund, it’s logical to want to protect its current value to maximise those withdrawals.   But there...
Sustainable Pension Withdrawals

Sustainable Pension Withdrawals

When you hit retirement you are going to need sustainable pension withdrawals.   If your pension withdrawals are not sustainable it is going to mean a very difficult retirement. You may have to move home, go back to work or worst, not do the things you love and...
Using Your Pension To Buy A House For Your Child

Using Your Pension To Buy A House For Your Child

Have you ever considered using your pension to buy a house for your child? Did you know that you could not only access your pension from 55, you could access it even if you are still working? According to Legal and General, the average amount given by parents to their...
Just How Flexible Is Pension Drawdown?

Just How Flexible Is Pension Drawdown?

I was sitting with a client the other day who is about to retire aged 55. For the next 17 years he is planning to use his personal pension as a source of income until his State Pension starts. We were going through the different ways he can make withdrawals from his...