What is Sequence Risk & How Does it Affect Pension Drawdown?
Sequence Risk: Why Timing Your Pension Matters More Than You Think Picture this: You’ve worked hard for decades, built up a solid pension pot, and now you’re ready to enjoy retirement. You’ve planned carefully, expecting your money to last for 20 or 30 years. But what if, right after you start withdrawing, the market takes […]
What is the MPAA Rule in Pension Drawdown?
Introduction: Understanding the MPAA Rule The Money Purchase Annual Allowance (MPAA) is an important pension rule in the UK that limits how much you can contribute to your pension once you have started withdrawing taxable income from a defined contribution pension. The MPAA is designed to prevent ‘pension recycling‘, where individuals withdraw pension savings and […]
What is a Dynamic Withdrawal Strategy in Pension Drawdown?
What is a Dynamic Withdrawal Strategy for Pension Drawdown? A dynamic withdrawal strategy is a flexible approach to withdrawing money from your retirement savings. Unlike fixed withdrawal methods that take out the same amount each year, a dynamic strategy adjusts withdrawals based on market conditions, portfolio performance, and personal spending needs. This method helps retirees […]
What is the 4 Percent Rule in Pensions?
The 4% Rule Explained If you’re planning for retirement and wondering how much you can safely withdraw from your pension each year without running out of money, you’ve probably come across the 4% rule. It’s one of the most well-known retirement withdrawal strategies, but what does it actually mean, and does it work for everyone? […]
How Inflation Impacts Pension Drawdown
Why Inflation Matters in Retirement Inflation is often referred to as the “silent thief of wealth,” and for retirees relying on pension drawdown, it can have a profound impact on financial security. While inflation affects everyone, those living on a fixed or semi-fixed income must be particularly aware of how rising prices erode purchasing power […]
Different Types of Pensions: SIPP vs Other Pension Options
Why Choosing the Right Pension Matters When planning for retirement, one of the most important decisions you’ll make is choosing the right type of pension. With several different pension options available in the UK, it’s essential to understand how they work, their benefits, and their potential impact on your financial future. Two of the most […]
What is a Workplace Pension?
A Quick Primer to Workplace Pensions What is a Workplace Pension? A workplace pension is a retirement savings scheme arranged by your employer to help you build a pension pot for when you retire. If you are employed and meet the eligibility criteria, you are automatically enrolled into a workplace pension under the UK’s […]
Everything That Affects Your Pension in 2025-2026
Why 2025-2026 Is a Critical Time for Pensions Whether you’re just starting to save for retirement or already drawing down your pension, the landscape in 2025 and 2026 could have a significant impact on your future. With interest rates shifting (as of writing they were just lowered to 4.5%), inflation fluctuating, and pension rules evolving, […]
How Do Pension Transfers Work?
Why Pension Transfers Matter Pension transfers can be a powerful way to take control of your retirement savings. Whether you’re consolidating multiple pensions, seeking better investment options, or switching to a plan with lower fees, understanding how pension transfers work is essential. But how do you move your pension without losing benefits, and what should […]
How Annuities and Investment Impact Pension Calculations
Why Your Pension Strategy Matters When planning for retirement, one of the biggest decisions you’ll make is how to grow and access your pension savings. While some people prefer to leave their pension fully invested for long-term growth, others opt for annuities to secure guaranteed income. But how do these choices affect your overall retirement […]