If you need extra support in planning your retirement, our retirement specialists can talk you through everything you need to consider for the years ahead. If you’re thinking about getting advice this could save you money in the long term and give you peace of mind about critical decisions in retirement. We offer advice on income options and pension transfers, taking pension regulations, allowances and tax implications into consideration. Or, of course, you could speak to an authorised financial adviser of your choice.
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Investing in retirement
Whenever you’re planning to retire, you’ll want to know that your hard-earned savings will take care of all your needs once you give up work. To help you get your thoughts together, here are some tips and ideas on how you can invest in retirement to make the most of your pension pot using drawdown.
Important information - please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
Getting started
After saving hard over the course of your working life, you’ll want to make the most of your pension pot. Using the tabs above, we'll help you understand how you could achieve a sustainable income, using your investments, that sees you through your retirement.
There’s a lot to consider. First of all, you'll need to assess your current situation and ask yourself some questions:
- What does your retirement look like? - review your aims and ambitions for retirement. How much you have saved, your age and the market conditions at the time you start drawing an income will all influence your lifestyle and the ways you generate an income.
- How will inflation and your withdrawals affect your pension pot? - inflation could reduce the purchasing power of your money over time, so you need to think about how you manage your money to protect the value of your savings. You’ll also need to consider how much money you take from your pension pot and how this might affect how long your pension pot lasts.
- How will you invest your remaining pension? - drawdown involves keeping some of your pension pot invested in your retirement. Choosing the right approach will depend on a range of factors. We’ve outlined some potential strategies and how they can help you achieve your retirement goals.
What investment choices will you make? - you’ll want to choose investment options that will help you achieve your goals and income requirements. We have a range of tools to help you choose investments for your retirement.
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Important information - Tax treatment depends on individual circumstances and all tax rules may change in the future. The minimum age you can normally access your pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless you have a lower protected pension age. Pension and retirement planning can be complex, so if you are unsure about the suitability of a pension investment, retirement service or any action you need to take, please contact Fidelity’s Retirement Service on 0800 368 6882 or refer to an authorised financial adviser.
Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.