If you’re already contributing into a pension, this is a really good start, but there’s more to it than just putting money aside. Making sure you're saving enough and are on track to reach your goals could make all the difference to the amount you build up over time.
How do you want to spend your retirement?
It’s never too early to start thinking about what you really want to get out of retirement. The chance to fulfil life-long ambitions, take more regular holidays, or simply to have the ability to treat yourself more often – and what about your family?
Whatever your aspirations, retiring should be your reward for years of hard work. So let’s start planning your future.
Why are your savings so important?
As retiring means you no longer receive an employee salary, it’s going to fall entirely on you to provide your own retirement income. The state pension, paid by the government, will certainly help, but research shows full-career average earners can only expect 29% of their previous net earnings. †
If you have certain financial ambitions you want to achieve in retirement you might need to have more plans in place. With the UK life expectancy on the rise, you also need to consider how long you'll need your savings to last.
It’s no wonder people often say your pension is the most important investment you’ll ever make.
How can we help?
By reviewing your pension and retirement plans, we can help you find out whether your savings could be doing more for you. If your money isn’t working hard enough, or is invested in a way that isn’t suited to your personal circumstances, we’ll take a look at other options for you to consider.
Alternatively, if you don’t yet have a pension it isn’t too late to set one up. We can sit down with you, assess your situation, and help you invest in a pension that’s right for you.
† December 2017 findings by The Organisation for Economic Co-operation and Development