How to Invest Through Retirement

The big question is how to ensure your fund lasts as long as you do

Faith Glasgow 20 September, 2021 | 10:56AM
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UK notes

If you had a defined contribution (DC) or “pot of money” type pension prior to the introduction of Pension Freedoms in 2015, you generally had to use the money to buy an annuity paying a guaranteed income for life.

That route provided security and peace of mind. However, annuities are inflexible, provide poor value (£100,000 used at age 65 to buy an annuity on a single life, with no inflation link or guarantee, would currently pay just over £5,000 a year), and cannot be passed on when you die.

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About Author

Faith Glasgow  Faith Glasgow is a freelance journalist specialising in pensions and investment trusts