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Retirement Planning

Our retirement planning section is the place to find out more about topics such as continuing to work whilst taking a pension, reducing hours in the build up to retirement and also ill health retirement. You can also find out more about buying an annuity.

Best ways to save for retirement

Explore the best ways to save for retirement at any life stage. Learn how pensions, ISAs and more can help support your financial future.

Can I take my pension at 55 and still work?

If you're thinking of accessing your pension while you're still working, read more to learn about the pros and cons of doing so.

Handling debts before retirement

From mortgages to credit cards, debt in retirement can strain your income. Find out how to handle debt before you retire in this guide.

How long will my retirement be?

From when you want to retire to how you want to spend your time, the length of your retirement depends on many factors. Find out more in our guide.

How much money do you need to retire in the UK?

Find out what it costs to retire in England, Scotland, Wales and Northern Ireland. The results could surprise you.

How much tax will I pay on my pension if I’m still working?

If you are still working and decide to start drawing your pension, there are likely to be tax implications. Find out what may be due.

How to budget for retirement

Learn how to build a retirement budget, estimate living costs and balance pension income.

How to improve your financial wellbeing for retirement

Securing your financial wellbeing is always important, but especially in later life. Find out how to improve your financial wellbeing for retirement.

Mental health in retirement

If stress, anxiety and depression get the better of you there are some coping mechanisms which can help you prepare for these in retirement.

PensionBee's guide to semi-retirement

Semi-retirement can offer the flexibility for you to work less as you enter your retirement years. Find out what you need to know about semi-retirement.

Preparing for retirement checklist

Financial decisions aren't easy and planning your retirement’s no different. Take a look at our checklist to help make your retirement plan.

Reducing working hours prior to retirement

Flexible retirement schemes allow a change in mindset when it comes to reducing working hours leading up to retirement.

Releasing equity for retirement

Homeowners can release some of the value of their property (equity) to top up their savings but having retirement savings is still crucial.

Retirement income strategies

Discover the different options for turning your pension into an income in retirement. Explore annuities, drawdown and mixed strategies.

Retirement planning in your 20s

Retirement may seem like a way off when you're in your 20s, but there are ways you can prepare.

Retirement planning in your 30s

As you enter your 30s, you may find yourself feeling the pressure to save for your future.

Retirement planning in your 40s

When you get to your 40s, you may feel at a crossroads between financial commitments in the present and starting to think about saving for retirement.

Retirement planning in your 50s

With a decade or so to prepare for your retirement, find out what you need to know.

What are Retirement Living Standards?

Understand the UK's Retirement Living Standards and how much income you need for a minimum, moderate or comfortable lifestyle.

What is a target date fund?

A target date fund is a type of pension fund that adjusts the mix of your investments in anticipation of your expected retirement date. Learn more.

What is pension liberation?

Pension liberation is normally linked to fraud and accessing pension benefits early. Here we explain what it is and what to be aware of.

What qualifies for ill health retirement?

If you can’t do your normal job because you’re physically or mentally ill, it may be possible to take ill health retirement. Learn more.

When should you buy an annuity?

Some or all of your pension can be used to buy an annuity but whether it’s the right option for you depends on your circumstances.

Have a question?

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