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Retirement planning guides

Connect future spending, workplace and personal pensions, the State Pension and withdrawal assumptions to a retirement plan you can examine and update.

Where to start

Turn retirement into a plan

A retirement target depends on the spending to be funded, the reliable income expected and the uncertainty carried by investments. Start by mapping each source of income, then test the size and flexibility of the portfolio needed to fill the gap.

  1. 01

    Map pension income

    Bring workplace, personal and State pensions into one view, including timing and access rules.

  2. 02

    Estimate the spending gap

    Separate retirement spending from the reliable income expected to meet it.

  3. 03

    Test the portfolio

    Compare withdrawal assumptions, horizons and market scenarios rather than treating one target as certain.

Guides

Explore retirement

Connect future spending, pensions and withdrawal assumptions to a practical target.

Put the ideas to work

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