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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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What does being ‘on track’ for retirement actually mean? Well, we’re all getting older. So we’re inexorably getting nearer to when we retire, whether we like it or not. In that sense we’re all on track (if not already retired).
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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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Are you worried about a recession or a market downturn? Might one ruin your retirement plans? In fact nobody can predict market movements with accuracy. The best we’ve got is history. And history tells us that market timing is a
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For those currently retiring the state pension stands at £168.60 per week, or £8,767.20 per year. Most would agree that this is not nearly enough to live on. Someone on minimum wage working a 40-hour week earns over £17,000. In
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When planning their retirement savings, most people follow one of these patterns: No retirement savings or hardly any. Haphazard savings with no planning. Fixed savings each month. Saving a fixed percentage of their income. Do any of these sound like
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