Retirement Income: Making Your Money Last

The average sixty-five year old can expect to live another nineteen to twenty-one years. That’s not a short retirement – it’s a second career’s worth of time, and your savings need to cover every year of it. This video explains the shift from building wealth to drawing it down, covering sustainable withdrawal rates, how to layer income from your State Pension, personal pensions and ISAs to stay in the lowest tax bands, and why taking your twenty-five per cent tax-free lump sum strategically matters. It also tackles the two biggest threats most retirees underestimate: inflation quietly eroding your spending power, and sequence-of-returns risk, where an early market crash can permanently damage a portfolio that’s being drawn down.

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