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Semi-retirement factsheet

Semi-retirement factsheet

5 tips to help you work less and live more

If you’re planning to reduce your hours, set up a business or start studying before you retire, our 5 semi-retirement tips could help you work less and live more.

They explain:

  • How you could reduce your hours without changing jobs
  • How to use your pension to top up your income
  • Why you can still pay into your pension
  • Reasons why you might want to put off the State Pension
  • What happens if you buy an annuity when you’re older

This factsheet is not personal advice.

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    This guide isn’t personal advice. What you do with your pension is an important decision that you might not be able to change. You should check you're making the right decision for your circumstances and that you understand all your options and their risks. Drawdown is a higher risk option than an annuity. The government's free and impartial Pension Wise service can help you and we can offer you advice. The value of investments can fall as well as rise so you could get back less than you invest.

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    5 tips to help you work less and live more

    If you’re planning to reduce your hours, set up a business or start studying before you retire, our 5 semi-retirement tips could help you work less and live more.

    They explain:

    • How you could reduce your hours without changing jobs
    • How to use your pension to top up your income
    • Why you can still pay into your pension
    • Reasons why you might want to put off the State Pension
    • What happens if you buy an annuity when you’re older

    This guide isn’t personal advice. What you do with your pension is an important decision that you might not be able to change. You should check you're making the right decision for your circumstances and that you understand all your options and their risks. Drawdown is a higher risk option than an annuity. The government's free and impartial Pension Wise service can help you and we can offer you advice. The value of investments can fall as well as rise so you could get back less than you invest.

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