Retirement savings
Building a pension pot, and then living from it.
Before and after you stop work
Before retiring, most people can take more risk because the money has years to recover. Afterwards, an income matters more than growth, and the portfolio usually moves down a level or two.
- We review the level as your retirement date gets close
- A monthly income paid from cash, topped up at each rebalancing
- One statement for pensions and other savings together
Drawing an income from your savings
Most retired clients take a monthly payment. We keep about two years of payments in cash, so a fall in shares never forces a sale to pay you.
Monthly payments
Paid on the 1st
Cash kept for payments
About two years
Change the amount
Any time, with a month’s notice
Usual levels for retired clients
2 to 4
Facts (sample).
Start with an introductory meeting
An hour at our office or by video, free and without obligation. Bring a recent statement for any savings or pensions you would like to talk about.