{"id":23240,"date":"2023-04-27T12:00:00","date_gmt":"2023-04-27T12:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/six-ways-get-your-retirement-back-track\/"},"modified":"2026-06-26T19:28:01","modified_gmt":"2026-06-26T19:28:01","slug":"six-ways-get-your-retirement-back-track","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/six-ways-get-your-retirement-back-track","title":{"rendered":"Six ways to get your retirement back on track"},"content":{"rendered":"\n

You have saved for decades towards a comfortable, financially secure retirement<\/a>. You might also have specific plans for retirement, such as taking up a new hobby, spending more time with family, or relocating.<\/p>\n\n\n\n

However, if the value of your pension isn\u2019t what you\u2019d hoped it would be, you might be wondering if your retirement aspirations will have to change.<\/p>\n\n\n\n\n\n\n\n\n
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Download: A guide to saving for retirement<\/h5>\n

Jam-packed with essential information on how to enjoy a more comfortable life after work.<\/p>\n

Download now<\/a><\/strong><\/p>\n

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Here, we consider how to get your retirement plans back on track.<\/p>\n\n\n\n

1. Understand your retirement savings<\/h3>\n\n\n\n

The first step is to ensure you have a complete picture of all your retirement savings. It\u2019s possible that you\u2019ve accumulated several pensions<\/a> over your lifetime, some of which you may have forgotten about. You can use the free Pensions Tracing Service<\/a> to find lost pension pots. This searches a database of more than 200,000 schemes to try to find the contact details you need to request a valuation.<\/p>\n\n\n\n

Make sure you understand the nature of the pension schemes you are invested in. Do you have protected defined benefit accruals as well as defined contribution pots? If you are unsure about your retirement scheme benefits, an adviser can help you assess them.<\/p>\n\n\n\n

Don\u2019t forget about the state pension, which pays \u00a3203.85 per week for those who qualify for the full rate. Check your state pension record and consider filling in gaps in your National Insurance record to increase your eligibility.<\/p>\n\n\n\n

Bear in mind that income in retirement doesn\u2019t have to come from pensions. Cash savings accounts, shares, ISAs and property could all form part of your overall retirement savings<\/a> pot.<\/p>\n\n\n\n

2. Continue to boost your pension tax efficiently<\/h3>\n\n\n\n

Assess whether you can afford to boost your pension over the next few years. This could involve, for example, diverting work bonuses<\/a> into your pension through salary sacrifice, or continuing to reinvest dividends<\/a> for a while longer instead of turning on the income taps as soon as you reach age 55 (57 from April 2028). You can continue paying into your pension and benefit from tax relief until age 75 (subject to limitations).<\/p>\n\n\n\n

ISAs could also be a tax-efficient way to save towards your retirement. Although ISAs don\u2019t offer tax relief on contributions, withdrawals are completely tax free. With a pension, you get tax relief on contributions, but any income you draw above your 25% tax-free lump sum (capped at \u00a3268,275) is taxed at your marginal rate of income tax.<\/p>\n\n\n\n

3. Consider phasing your retirement<\/h3>\n\n\n\n

Many people choose to phase their retirement<\/a> by working a few days a week and using savings outside of a pensions wrapper to top up any income gaps. This not only eases the transition into retirement, but also means you can still invest in your personal pension and benefit from tax relief.<\/p>\n\n\n\n

This is an important consideration because if you take an income from any of your personal pensions, you trigger the money purchase annual allowance. This reduces the amount you can still contribute tax efficiently into a pension to only \u00a310,000 per tax year.<\/p>\n\n\n\n

Reducing your work hours will come with a lower salary. Yet this could be an opportunity for you to reduce your outgoings ahead of retirement. Use an online budget planner to see where costs could be cut.<\/p>\n\n\n\n

4. Look at downsizing to release funds<\/h3>\n\n\n\n

You might not have planned to move, but one of the most common ways to unlock capital for retirement is to sell a large family home and trade down to something smaller. Alternatively, you could move to a part of the country where the cost of living is lower.<\/p>\n\n\n\n

Downsizing or moving to a less expensive area could free up a lump sum and cut maintenance and running costs over time, which eat into retirement income. And this way, you might still be able to achieve the retirement lifestyle you want.<\/p>\n\n\n\n

5. Assess your likely expenses in retirement<\/h3>\n\n\n\n

It\u2019s a useful exercise to separate essential expenses from non-essential ones to understand how much you really need in retirement.<\/p>\n\n\n\n

An essential expenses pot would cover regular household bills, whereas a non-essential spending pot would cover holidays, hobbies, and meals out. It\u2019s also important to have a cash fund to cover unexpected expenditure such as a new boiler or roof.<\/p>\n\n\n\n

Understanding your spending needs can help your income choices in retirement. For example, essential spending could be covered by buying a small annuity and the state pension. The non-essential spending pot could remain invested in higher returning assets, which you would draw an income from to pay for holidays and hobbies.<\/p>\n\n\n\n

A mixture of drawdown, annuities<\/a> and the state pension can provide a level of security in retirement, but it is important to understand the pros and cons of each option.<\/p>\n\n\n\n

6. Seek advice<\/h3>\n\n\n\n

Understanding the best way to get your retirement plans back on track isn\u2019t always straightforward \u2013 and that\u2019s where getting some smart advice<\/a> can help.<\/p>\n\n\n\n

A financial adviser can use cashflow modelling<\/a> to give you a clear picture of how long your money is likely to last in retirement, and how the changes you make today could boost your long-term finances. They can also develop a solid plan for using your retirement savings and invest them appropriately to produce a sustainable income in retirement. The earlier you start preparing, the better your chances are of achieving your ambitions.<\/p>\n\n\n\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

From topping up your pension to working longer, we explain how to boost your longer-term finances \u2013 and how advice can help.<\/p>\n","protected":false},"author":97,"featured_media":11904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[801],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[772],"rbcwm_solution":[828],"rbcwm_topic":[108],"rbcwm_channel":[99],"rbcwm_format":[779],"class_list":["post-23240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","rbcwm_segment-individuals","rbcwm_solution-pensions-and-retirement","rbcwm_topic-pensions-and-retirement","rbcwm_channel-private-clients","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"From topping up your pension to working longer, we explain how to boost your longer-term finances \u2013 and how advice can help.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":3,"rbcwm_enable_toc":false},"yoast_head":"\nSix ways to get your retirement back on track | RBC Wealth Management United Kingdom<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/six-ways-get-your-retirement-back-track\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" 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