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We’ve produced a range of helpful films, videos and programmes to help you understand more about the choices you have available for financing your retirement and how you go about making the right decisions for you.
Questions to ask at retirement
As retirement draws closer, what financial questions should you ask?
This is the first of a series of lessons on retirement finance from professional Financial Adviser Pete Matthew who gives an overview of the recent changes to pension legislation (known as the ‘Pension Freedoms’). He talks through the key issues to ask “when’s the best time to consider how to provide an income in retirement?”
Pre retirement
Shelagh describes what she is most looking forward to when she retires.
Shelagh is less than twelve months away from retiring. We talk to her to find out how she is preparing for retirement, the changes which are likely to happen in her life, and what she is most looking forward to when she has more time, but less money.
Income choices in retirement
Before entering retirement, what actions do you need to take??
In the run up to retirement there’s a number of things to consider in securing your retirement income, particularly following the many recent changes to the pensions landscape. This is the third in our series on retirement finance from professional financial adviser Pete Matthew. It outlines the options and choices available to provide an income in retirement.
When you’ve recently retired
Clive and Bernice discuss the changes they've made in retirement.
Clive has been retired only a few months. We talk to him and his wife Bernice to find out how their first few months have been, what changes they have had to make to their lifestyles and how they are planning to spend their retirement now they have more time on their hands.
Compound Interest
What is compound interest? And why is it important?
Compound interest can be described as ‘interest on interest’. It makes a loan grow at a far swifter rate than a straightforward interest type arrangement, by increasing the amount of ‘principal’ on which further interest will be earned in the future. Learn more by watching our video, and understand why it’s so important – especially for your retirement.
Annuities
Annuities matter. But what are they & how do they work?
Annuities are often described as “The most common way for people retiring to secure a steady, guaranteed income. They are bought using the money saved in your pension fund and in return a regular sum of money is paid to you each year, for the rest of your life.” Our animation explains more – in plain English – in less than 90 seconds.
Bereavement in retirement
What are the practical steps you need to undertake?
When the most traumatic of events does happen, there can often be much to think about at an already stressful time. In the fourth of our series on retirement finance, professional financial adviser Pete Matthew gives an overview of what steps you need to take in dealing with the practicalities of someone’s death and where to get more help and support.
Secured and unsecured loans
Secured loans and unsecured loans - separating fact from fiction
A secured loan is debt backed by collateral, such as a house or car, to reduce the lender risk. Unsecured loans are not guaranteed and typically have higher interest rates, reflecting the bigger risk for the lender. The most common unsecured loan are credit cards, student loans, and personal loans. Our short animation reveals all.
DC Pension (defined contribution pension)
How do defined contribution pensions work?
A pension plan offered by employers in which the benefits are dependent on contributions to, and the growth of, the pension fund. But how do they work? Our simple animation, in plain English explains more in less than two minutes.
Lifetime Mortgage
What is a Lifetime Mortgage and how do they work?
Lifetime mortgages are often described as ‘a mortgage secured on your home. No repayments are usually made on the mortgage until the death of the last surviving borrower or their entry into long term care’. But does this really cover it? Our short animation converts jargon into plain English.
Stock Market Volatility
Things to consider if taking income drawdown
Since the pensions freedoms more people have been considering investing some or all of their pension savings in income drawdown. In this Retirement Matters video, Pete Matthew explains what stock market volatility is and how this can affect the value of your fund if you are already taking or considering income drawdown.
When you've been retired a while
Jeff explains how he and his wife are enjoying the freedom of retirement.
Jeff has been retired for some time. We talk to him about how he and his wife are managing financially, why they decided to take out an equity release plan and what it has meant to them, and how they are planning to spend the remainder of their retirement doing the things they enjoy most.
New State Pension
Pete Matthew explains more about how the system works and the criteria you need to meet in order to qualify for the full flat-rate amount.
In April 2016, the new flat rate pension system was introduced, payable to those reaching state pension age from then on. This has been lauded as a fairer system, but will you get the full flat rate? In this video, Pete Matthew explains more about how the system works and the criteria you need to meet in order to qualify for the full flat-rate amount.
The financial impact of living longer
How can health and longevity impact on your finances in retirement?
When you’re considering how to finance retirement, it’s important to factor in your health and lifestyle. Pete Matthew gives his view on longevity’s impact upon retirement financial planning
The impact of divorce in retirement
If you are considering separation or divorce, there are a number of steps to take to ensure you are adequately protected.
If you are considering separation or divorce, there are a number of steps to take to ensure you are adequately protected. In the third of our series of lessons on retirement finance, Pete Matthew examines the key steps you need to take before you get started.
Income Drawdown
What is income drawdown? Find out in this short animation.
What is income drawdown? Find out in this short animation.
