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Your Retirement

Our magazine that helps prepare you for the retirement you want and deserve.

A bright financial future is something to look forward to, but it won’t happen by luck. Your Retirement is here to help you plan and enjoy a fulfilling life after work.

This issue looks at life after work in its broadest financial sense. What’s involved in supporting yourself and – if it’s your wish – passing wealth to the next generation. You now have a great deal of flexibility in later life, especially when it comes to your pension.

We explore how a sensible drawdown strategy can be constructed from your retirement savings. What is a realistic income level to target? For most people, life after work – or even life with less work – is a marathon, not a sprint and there are dangers in shooting out of the blocks too quickly.

A desire to pass on wealth is one reason some people may consider transferring from defined benefit to defined contribution pension schemes. However, defined benefit schemes confer valuable benefits, so we look at the pros and cons of this option on page 16.

Pensions typically sit outside the taxable estate for inheritance tax purposes, so when it comes to inheritance planning, it’s very important that you make use of the often overlooked Expression of Wish form. We review how crucial it is for ensuring that your pension goes to the right people.

These are interesting times. Low interest rates may make it a challenge to achieve a sustainable income, but on the other hand, many opportunities come with flexibility and choice. A little planning for your future and that of your loved ones can go a long way.

Highlights:

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice.

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Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.