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Retirement planning with Clearly Investments
Our retirement articles provide tools and articles to build your retirement plan and consider your retirement income.
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Clearly Investments – Retirement Cashflow
Choose whether you’re still saving (“Planning for retirement”) or already drawing down (“In retirement”). The chart updates instantly.
Pot chart: starts at your current pension valuation (your current age point has no growth/contributions applied). Contributions grow by your “Increase by (% p.a.)” each year until retirement. Retirement spending is entered in today’s money, then increased each year by inflation. If enabled, we reduce pension withdrawals once State Pension starts. SPA means State Pension Age. We estimate SPA as 67 (born before 1970) or 68 (1970+), and index the State Pension annually using your inflation assumption. Educational illustration only.
Saving for Retirement
How to Start Saving for a Pension
Getting started made simple. The quick answer Join your workplace pension if you can. Your employer adds money too....
How Much Can I Add to My Pension?
The quick answer For most people, you can save up to £60,000 in a tax year across all pensions before extra tax...
How should I invest my pension?
A clear plan for anyone paying into a pension. The quick answer Think long term. Pensions are decades-long. You want...
Planning to Retire
5 Essential Financial Steps to Take Before You Retire
Why it’s important You’ve spent decades building your savings. The last few years before retirement are your final...
Annuity vs Drawdown: Securing Your Retirement Income
Why it’s important When you retire, your pension pot stops growing and starts paying you back. But how you take that...
Pay Off the Mortgage or Top Up Your Pension?
Why it’s important If you’re approaching retirement with spare cash each month — or a lump sum to invest — one of the...
Maximise Your State Pension: Check for NI Gaps Before Retiring
Why it’s important Your State Pension is the bedrock of retirement income in the UK — guaranteed for life,...
How much can I spend in retirement
You’ve built up a pension pot — maybe in a SIPP, maybe a workplace scheme. You’re retiring, or thinking about it, and...
How Much Do You Really Need to Retire Comfortably?
Planning for retirement means more than just hoping for enough savings — it means understanding what “enough” actually...
Managing your portfolio in retirement
10 steps to manage your money in retirement (UK, 2025/26)
This guide gives you a clear, logical order for drawing from pensions and other pots so you keep more of The 10-step...
How to Make Your Money Last: Safe Withdrawal Strategies for Retirees
Why it’s important You’ve worked hard, saved for decades, and built a pension pot. Now comes the tricky bit: how much...
How to Keep More of What’s Yours
Retirement income isn’t just about what you earn from your pension and investments — it’s about what you keep. Get the...
Choosing the Best Investment Strategy at Every Stage Before Retirement
A big part of planning for retirement is figuring out how much risk your investments should carry — and when. Too much...