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How to retire in 2020

An essential guide to kick-start your plans

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4 steps to help you retire when you want to

  • Consider if you want to semi-retire first, or give up work completely
  • Check what your pensions might pay, and if you need to save more
  • Research how to access your pensions
  • Talk it all through, so your mind’s at ease

Your guide for a successful retirement in 2020.

Download guide

Pension Calculator

Using the details you enter, this pension calculator will show:

  • An estimated value of your pension at retirement
  • How much income you could get each year
  • How much you could take tax free

If you find the values are less than you expected, you can use the tool to explore ways of closing the gap. Remember, tax rules change and benefits depend on individual circumstances.

3 ways to access your pension

You usually need to be at least 55 (57 from 2028) to access your pension, and can use a mix of the options to match your needs.


A secure income for life without worry or fuss.

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Take a flexible income and keep your pension invested.

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Lump sums

You can take the whole lot out or keep some of it invested.

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You may want to contact the government’s Pension Wise service for free, impartial guidance to help you make sense of your options.

Want to talk things through?

Speak to our retirement experts

  • Discuss your retirement options
  • Receive tools and resources to help with your decisions
  • Get quotes for secure and flexible income options

Book a call back

or call us on 0117 980 9940

Get prepared for retirement

Download our guide to find out:

  • How to work out what your pension might pay, and if it’ll be enough
  • How to access your pension, plus the benefits and risks of each option
  • Top tips to make the most of your tax-free cash

Download guide