Retirement Risks

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The new pension changes may allow you complete access to your pension pot once you have reached 55 years of age. In such circumstances if you take your savings and spend them, then that is your choice and the new pension changes will allow you the freedom and flexibility to do so.

However, if you are planning to use them to provide an income in retirement; then you need to be aware of a number of factors that will affect the value of your pension savings and how you might use them.

The following information details risks to consider when planning for your retirement.

Longevity Risk
Mortality Risk
Inflation Risk
Changing Circumstances
Investment Risk
Tax Risk

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