Life moments

Retiring

Turning savings into a monthly income that lasts. How to plan withdrawals, a safety reserve and health costs.

At retirement the question changes from how to grow money to how to make it last. A plan for regular income, kept separate from money for emergencies and health, helps you spend with confidence.

Your savings may need to last 25 years or more, so some growth is still needed to keep up with inflation.

Your checklist

Tick items off as you go; nothing is saved.

Work out your monthly expenses in retirement, health costs included.
Keep 1–2 years of expenses in safer options to draw from first.
Set up a monthly withdrawal (SWP) or another regular income from the rest.
Keep some money in growth investments to keep up with inflation over 25 years or more.
Make sure your health insurance continues after employer cover ends.
Update your will and nominees, and tell your family where everything is.

Work out your numbers

Each calculator opens with these example figures; change them to your own.

How we can help

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