Your retirement plan
It's time to start firming up your plan, looking forward to how the next phase will work for you. In this planning section, we suggest some key areas to think about so that you're empowered to make the right decisions for your colourful retirement.
Before you start
Picture your retirement
You need to have answered some key questions about what the next phase of your life will look like. If you haven't done this yet, we'd recommend you set aside time to think this through or talk about it with your partner or family. Find out more about picturing your retirement.
Take stock of your money
You'll need to take stock of what your retirement finances will look like to work out when you could retire and the lifestyle you'll have. Find out more about taking stock of your money.
There are some key things to think about at key stages, but everyone's retirement will be different. We can't take into account your personal circumstances – when you're thinking of retiring or when might be the right time for you to take actions. So it's important that you seek guidance or independent advice for your own personal circumstances.
Pick the retirement stage you’re at below. Then, on your own, or with your partner or family, try to work through the key considerations about your future.
The nearest phase should be the clearest and most well defined, but don't ignore the later phases entirely. Although things will inevitably change in the coming decades, it's worth having at least a rough idea now as it could impact how you decide to access your savings.