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Find out moreWelcome to our blog, dedicated to providing useful insights into retirement matters with a focus on tips and answers to common questions. Whether you have reached retirement age or are planning your transition away from work, we aim to provide valuable knowledge to help you enjoy a secure and fulfilling retirement.
In decades past, retirement at 60 was a near certainty for many in the UK. However, research from Canada Life reveals that nearly 70% of adults think that retirement at 60 will become “a thing of the past”.
Recent reports suggest a positive trend: people are showing greater interest in understanding and managing their pensions.
Do you want to retire early but worry that you won’t have enough income or savings to live on? One solution might be to set up a fixed-term annuity to provide guaranteed income before other pensions start to pay out.
Introduced by the Financial Conduct Authority in 2023, Consumer Duty aims to raise the bar for customer protection in financial services.
If you haven’t retired yet, how much you save into your pension scheme now can determine the quality of life you enjoy later. We look at factors to consider when reviewing your level of pension contributions.
Following the government’s decision to scrap universal Winter Fuel Payments for pensioners, thousands of pensioners are being urged to check their eligibility for Pension Credit.
After years of saving and planning for a comfortable retirement, ensuring the safety of your hard-earned pension is naturally of great importance. This article will explain the various protections in place.
As you approach or settle into retirement, it's crucial to consider how your pension savings will be handled after your passing. If you intend to leave all or some of your pension savings to your loved ones, then the issue of inheritance tax could be of particular interest.
In the UK, the ‘New’ State Pension system was introduced on 6 April 2016, affecting everyone who reaches State Pension age from that date onwards. But some people are receiving the ‘Basic’ or ‘Additional’ State Pension.
As retirement approaches, many in the UK are faced with the pressing question: are we saving enough?
If you have a spouse or civil partner and are considering an annuity, a crucial question arises: should you opt for a single life annuity or a joint life annuity? With a joint life plan, your beneficiary would continue to receive an income after you die.
Retiring early is a dream that many cherish, but as later life edges nearer they often find it to be financially unattainable. But with careful planning and the right approach to financing, taking early retirement can be more achievable.
Many of us approaching retirement do so having built up several pension schemes throughout our careers. If you are a member of defined contribution and defined benefit schemes, it’s important to understand how they differ.
Brexit, inflation and cost of living increases have all introduced new considerations for those contemplating retiring abroad. So is it still an attractive option for UK retirees?
Over the last few years, the cost of living in the UK has risen significantly – something which disproportionately impacts retirees. With inflation rates climbing and essential goods and services becoming more expensive, many pensioners are finding it increasingly difficult to manage their finances.
Transferring your pension to another provider could bring several benefits, from simplifying your arrangements to enjoying more growth of your pension savings.
There are more people aged 100 or older in the UK than ever. That’s great news, but some thought may be needed to plan for a 100-year-life and a long but fulfilling retirement.
Campaigners are fighting for compensation for women who they say were not properly informed about changes to the State Pension age. ‘WASPI’ campaigners argue that a compensation scheme must be established to support those affected.
There is good news for people choosing an annuity for some or all of their pension income. Retirement Line’s analysis for the first six months of 2024 shows rate stability, with a small increase from January to June.
If you have a pension, it’s important to understand what will happen to it when you pass away. This could be particularly important to you if you have dependents whose financial future you want to safeguard.
Divorce can be a complex and challenging process. If you find yourself in this position then there will naturally be much to think about. One of those things will be how to divide your finances, including your pension.
Perhaps you have never had a paid job, or have only worked a few years? If so, you may be wondering if you are eligible for State Pension in retirement.
There can be good reasons to move your pension pot across to a different provider. But is it a good move for you? And how do you move your pension pot if you decide to go ahead?
It isn’t often that having a health condition can benefit you financially, but some people find this is the case when arranging their pension annuity. But which conditions may potentially qualify you for extra income with an enhanced annuity?
If you’re approaching your 50s then now is the ideal time to get planning for your retirement. By setting goals, assessing your financial situation and researching your pension options, you can take a proactive step towards a secure and enjoyable future.
As you edge closer to retirement, the financial landscape can appear more complex than ever. As a result, you might be seeking assistance to make decisions about your financial future.
As the buds bloom and the days lengthen, spring isn’t just our cue to get the duster out – it’s also the ideal time to give our finances a spring clean too. This is especially the case if retirement is on the horizon.
Deferring State Pension income is an option some of us will consider as we approach retirement age. But what are the advantages and disadvantages of deferring?
The State Pension is a safety net for many of us, providing a reliable income to millions of pensioners after spending our lives working, raising a family or both. However, thousands of people have been affected by State Pension underpayment issues.
Your pension fund could play a crucial role in securing financial stability during your retirement. Finding ways to increase your pension pot over the coming years will help to ensure a more comfortable retirement and prevent an income shortfall from blighting your golden years.
Inflation, the seemingly unstoppable rise in the prices of goods and services, affects nearly every aspect of our lives. For those carefully saving for their golden years, understanding how inflation affects pensions is crucial to securing a comfortable retirement.
If you’re approaching your 50s then now is the ideal time to get planning for your retirement. By setting goals, assessing your financial situation and researching your pension options, you can take a proactive step towards a secure and enjoyable future.
Retirement is a significant milestone in our lives, and the beginning of an exciting new chapter for many of us. But there may be good reasons for delaying retirement.
After decades of hard work, retirement brings with it a well-deserved break and an opportunity to enjoy life in a different way.
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Retirement Line Limited is Authorised and Regulated by the Financial Conduct Authority, FCA No. 726601. Retirement Line Limited is registered in England and Wales, registration No. 6976976. Registered Office: 52 Forder Way, Hampton, Peterborough, PE7 8JB
*Equifax Touchstone pension income and annuity sales figures 2018 to 2020. Matrix Financial Solutions Inc annuity sales figures 2021 to 2022.
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