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Since 2012, auto-enrolment into a workplace pension scheme has gradually become mandatory for all employers. There are a few exceptions, but if you’re in employment, you’ll almost certainly have been enrolled. It’s tempting to think this means you can now
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The state pension age is currently 66 for both men and women in the UK. This will gradually increase to 67 between 2026 and 2027. You can easily check the government website for your own pension age. There are highly
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In case you’ve just returned to Planet Earth, we’re currently experiencing a cost of living crisis. The annual rate of inflation has reached levels we haven’t seen for over 30 years. Just a few short months ago, this seemed unlikely.
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We make financial decisions every day. When we order a drink in a pub, we make a decision on our discretionary spending. When we make a payment on a credit card, we make a decision on debt management. Or when
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That might seem obvious, but it opens up a whole raft of issues. Until well into my career, I didn’t think much about what a pension was. I just assumed that I should simply follow the government’s and my employer’s
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Many people associate the word “drawdown” with withdrawals from a pension fund after retirement. But a pension fund is really just a tax shelter for investments. The principles of drawdown can be applied to all your investments, wherever held. Before
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Financial advisers advocate a variety of pension goals. Some simply suggest trying to save a specific percentage of salary into a pension plan. Others target a total saved pension amount to aim for, in order to be ready for retirement.
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