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Drawdown investment ideas

Drawdown investment ideas

Request your free factsheet on drawdown investment ideas

Complete your details below to discover two strategies for taking income – and how to implement them. This factsheet is not personalised advice.

This factsheet is not personal advice. Please remember all stock market investments can fall in value as well as rise, so they should be held for the long term and you could get back less than you invest. Tax rules can change and the value of any benefits depend on your personal circumstances.

Hargreaves Lansdown PLC group companies will usually send you further information by post and/or email about our products and services. If you would prefer not to receive this, please do let us know. Your personal data will remain confidential, and will never be passed to any other company, unless required by law.

The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Drawdown is a more complex option than an annuity. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.

How to generate income without drawing from capital

It's difficult to overstate the importance of investment selection in a drawdown pension - it's much harder to recoup investment losses when you're reliant on those same investments to provide income and you're no longer working or contributing to a pension.

To help, our Head of Research Mark Dampier, explains different strategies for investing in a drawdown pension, plus:

  • How much cash you might hold - Mark's rule of thumb
  • Different ways to generate income
  • Why a diversified portfolio is important
  • Six of our favourite funds to consider for income - updated list

There will always be risks associated with investing - especially through drawdown - but having the best information can help you choose a strategy suitable for your circumstances, and avoid unnecessary risk.

This factsheet is not personalised advice. Please remember pension and tax rules can change and the value of the tax benefits will depend on your circumstances. The value of investments can fall as well as rise so you could get back less than you invest.

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