Early Retirement

Why wait until you’re too old to enjoy retirement?

Stopping work before your State Pension Age (SPA) is only possible if you’ve a) invested enough money to provide an alternative income, or b) received a lump sum that will see you through the next few decades. Either way it’s a wonderful feeling to know you can afford to give up work while you’re hopefully still relatively fit and healthy.

Early retirement is a reality for many people. And it can bring a new purpose to life. They get to spend their time exploring what’s on their doorstop, and what’s further afield. They contribute to their communities by volunteering, take up hobbies they’ve never had time for previously, or take on grandparenting roles to ease the strain on their busy kids. If you’ve spoken to someone recently who’s retired early, they’ve probably told you they didn’t know how they found the time to work.

It all comes down to forward planning

You can usually take your workplace pension at 55 and your State Pension will pay out on your 67th birthday – although that remains under review. Depending on your early retirement goals, you’ll need another method of investing that supplements this and gives an income to see you through three, four, perhaps even five decades after you’ve stopped work.

Speaking to a professional financial adviser can unlock your route to early retirement. Together, you can visualise what it looks like for you and work out if there are any gaps in your existing pension and investment arrangements to get you there.

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