The State Pension is an important foundation for UK retirees, but it doesn’t provide enough on its own for most people to live a comfortable retirement. The most useful way …
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Your workplace pension is, for most people, the single biggest driver of their retirement income. The State Pension provides a basic floor (more on that in our State Pension guide), …
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Pensions
Sequencing risk explained: how the timing of returns can matter
by InvestEngineby InvestEngineThe same average return can produce two completely different retirements. The difference is timing, specifically what markets do in the first few years after you start drawing on your pension. …
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Pensions
Investment risk explained: how does it affect your pension?
by InvestEngineby InvestEngineInvesting carries risk. Anyone who tells you otherwise is selling something. Investment risk is the chance that your portfolio doesn’t do what you wanted it to. Markets fall, a sector …
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Pensions
Inflation risk explained: how rising prices affect your retirement pot
by InvestEngineby InvestEngineA pension growing at 4% a year sounds like progress. If prices are rising at 4% a year, it isn’t. Inflation is the gap between the number on your pension …
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Most people plan for a retirement that’s shorter than the one they’ll actually have. ONS data puts current UK life expectancy at around 79 for men and 83 for women, …