Retirement

Widespread uncertainty about how much can be sustainably spent in retirement

Research finds annuitisation rates of 55% to 60% are possible without compulsion

'The most valuable Budget planning is rarely about trying to second-guess the chancellor's speech'

Government aims to have small pot consolidation operational from 2030

Takes case to The Pensions Ombudsman

Advisers’ biggest concern is not understanding the pension IHT rules

Second technical note

'Focusing solely on reducing the pension before death can increase lifetime tax'

‘This has undoubtedly had a huge impact on planning for many clients’

'Pensions are one of the few financial products where time is the single biggest driver of outcome'