How long will your retirement nest egg last you?

Retirement planning means taking into consideration a whole range of factors. You have to navigate difficult questions like: How should I invest my retirement pot? What will the impact of inflation be? How much income/capital should I withdraw and when? On top of these, there is another question that must…

As a parent, could you be forgoing your state pension?

There’s no reason why being a parent, and especially being a non-earning parent with responsibilities to their children, should put you in danger of reducing your state pension entitlement. At this time, however, there are possibly hundreds of thousands of people in this precise situation—although fortunately, there are actions to…

Planning for the greatest time of your life!

Whether you’re approaching the beginning of your retirement or you’ve still got a number of years of work in front of you, it’s possible that you’ve already begun arranging this next major stage in your life. But no matter how much you read, how many numbers you crunch and how…

Four ways to live a happy retirement

Retirement should be the time of your life. No more early morning wake up calls, no more commuting and no more carefully allocating your holiday entitlement. Instead, you have the freedom to do whatever you choose. Yet retirement might not always work out as a time to forget your worries…

How much should you actually be saving for retirement?

Retirement should be the time in your life where you’re able to enjoy the fruits of your labour. However, simply paying into a pension for when you retire might not allow you to do this if you’re not putting enough away. But how much is “enough”? Well, here at Charters…

The longevity challenge and how to deal with it

In the UK, we are confronted with the challenge of an ageing population. Lots of us will live longer than we may well have predicted. Already, 2.4% of the population is aged over 85. Because of enhancements in nutrition and healthcare, this figure only looks set to climb. The Office…

Record numbers make the most of pension freedoms

The people have spoken and they absolutely love freedom! Up to date figures show withdrawals in the 2017/2018 tax year were worth £6.7bn, the highest amount since the pension freedoms legislation was introduced in 2015. Before the reforms, the majority of retirees would buy an annuity with their pension fund,…
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