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Investec Wealth & Investment (UK) is now part of Rathbones Group Plc. Find out what this means

A guide to providing an income in retirement

Discover how to generate a tax-efficient retirement income to maximise your lifestyle.

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Retirement isn’t what it used to be. So retirement income isn’t the same, either.

These days ‘retirement’ means many different things to different people. You may consider it to be the complete end of work, when earnings cease and pensions begin. Alternatively, like an increasing number of individuals, your retirement may be a gradual process during which work and earnings are phased down as leisure time and reliance on pension income increase.

When it comes to thinking about your income in retirement, your reflex will be to think of pensions. However, just as retirement is no longer an on/off switch, retirement income is now much more than just pensions. In this guide we explore how to plan your retirement goals and figure out your income needs, how and from where your income could come from, and how to remain tax-efficient.

 

Ready to develop your own retirement plan?

Whether you’re planning for a quiet retirement or a noisy one, our guide outlines the framework for a tax-efficient retirement income strategy to provide you with the funds to make it a reality.

Display of the Income in retirement front cover and pages
This guide will cover:

The importance of figuring out and setting your retirement goals.

How to calculate the income that you need in retirement and planning when and how you may choose to draw this income.

How to remain tax-efficient and stay informed on the allowances available to you.

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Important information

This guide is provided strictly for your general consideration only and represents our understanding of the law and HM Revenue & Customs practice as at 6 April 2024, including proposals in the Finance Bill 2022. The guide is not intended to (and does not) represent advice. It is essential that no action is taken or refrained from being taken based on this guide alone. Specialist advice (as referred to throughout the guide) is essential. Accordingly, neither Investec Wealth & Investment (UK) nor any of its officers, employees or contractors can accept any responsibility for any loss occasioned as a result of any such action or inaction.

The value of tax reliefs depends on your individual circumstances. Tax laws can change. The Financial Conduct Authority does not regulate tax, Will or trust advice. The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

 

Investec Wealth & Investment (UK) is a trading name of Investec Wealth & Investment Limited which is a subsidiary of Rathbones Group Plc. Investec Wealth & Investment Limited is authorised and regulated by the Financial Conduct Authority and is registered in England. Registered No. 2122340. Registered Office: 30 Gresham Street. London. EC2V 7QN.