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Retirement Guides

We've collated our most popular and most recently-published retirement guides in one place for you. Designed to help you through the basics as well as more complicated issues, browse our entire back catalogue today.

Visit our equity release, annuity and RIO mortgage pages to learn more or to speak to a broker.

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Our most popular retirement guides

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Annuities vs drawdown – Which is right for you?

Considering an annuity or drawdown to help fund your retirement? Addressing the pros and cons, read our definitive guide before making a decision.

Considering an annuity or drawdown to help fund your retirement? Addressing the pros and cons, read our definitive guide before making a decision.

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What are the best SIPP and SSAS in 2022?

The Moneyfacts Annual Star Ratings for SIPP and SASS are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

The Moneyfacts Annual Star Ratings for SIPP and SASS are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

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Mortgage tips for over 70s

Our guide to finding a mortgage for the over 70s including traditional mortgages, retirement interest only mortgages and equity release.

Our guide to finding a mortgage for the over 70s including traditional mortgages, retirement interest only mortgages and equity release.

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Equity release FAQs

Get your equity release questions answered, everything from how it affects your tax, pension, your home ownership and your family.

Get your equity release questions answered, everything from how it affects your tax, pension, your home ownership and your family.

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When to start saving into a pension

You can start saving into a pension at any age. Our guide sets out how to get saving in your 20s, 30s and 40s.

You can start saving into a pension at any age. Our guide sets out how to get saving in your 20s, 30s and 40s.

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How to find lost pensions

Finding a lost pension is easy and could result in significantly growing the pension pot you can expect when you retire. £billions worth of funds lay unclaimed every year.

Finding a lost pension is easy and could result in significantly growing the pension pot you can expect when you retire.

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Repayment and interest only mortgages explained

A repayment mortgage sees you pay off not just interest, but also the loan itself, so that at the end of the overall mortgage term you will own your home outright. Our helpful guide explains more.

A repayment mortgage sees you pay off not just interest, but also the loan itself, at the end of the mortgage term you will own your home. Our guide explains.

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What are the different types of lifetime mortgages?

Lifetime mortgages can come in different types, including interest only and drawdown options. Read more to find out the pros and cons of the different types of lifetime mortgages.

Lifetime mortgages can come in different types, including interest only and drawdown options. Read more to find out the pros and cons..

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All our retirement guides

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UK inflation explained - and how to deal with it

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation. With its widening effect, it is important to understand what inflation is, why it is necessary, and how it affects the economy.

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation.

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Who gets your pension when you die?

It may not be nice to think about but it’s an important part of financial planning, so here’s everything you need to know about who gets your pension when you die.

It may not be nice to think about but it is important, so here’s everything you need to know about who gets your pension when you die.

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What is the best equity release product in 2022?

The Moneyfacts annual equity release star ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

The Moneyfacts annual equity release star ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

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What are the best SIPP and SSAS in 2022?

The Moneyfacts Annual Star Ratings for SIPP and SASS are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

The Moneyfacts Annual Star Ratings for SIPP and SASS are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

Read More
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How to protect yourself from scams

It’s never been more important to be on your guard when it comes to potential scams. Fraudsters are getting ever-more sophisticated in their methods and it can be increasingly difficult to spot when you’re being targeted, so here we look at how to protect yourself from scams to keep your money safe.

Fraudsters are getting more sophisticated in their methods, so here we look at how to protect yourself from scams to keep your money safe.

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What happens to your debt when you die

Here, we take a closer look at what will happen to outstanding mortgage and lifetime mortgage (a type of equity release) debt and any loans, credit cards and similar unsecured credit agreements you have, and how you can prepare accordingly.

We take a closer look at what happens to outstanding mortgages, debt, loans and credit card and other credit agreements and how you can prepare accordingly.

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A guide to tax and your pension

If you’re approaching retirement and will soon be drawing your defined contribution (DC) pension – or perhaps you’re still working but, having hit the age of 55, want to access your funds – you’ll need to know how tax comes into play.

Find out how pension reforms give you more freedom to decide what to do with your money with our handy guide.

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How to get your pension investment strategy right

We explore why your pension investment strategy might differ depending on age and what you can do to get your pension investment strategy right. Read our guide to find out more.

We explore why your pension investment strategy might differ depending on age and what you can do to get your pension investment strategy right.

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