New Forest Living Jul - Aug 2023

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RETIRE in style Don’t panic if your pension savings aren’t where you thought they’d be. There’s still plenty of steps you can take to help you retire on your own terms. The key is having a decent plan in place. CONSOLIDATE YOUR PENSION POTS It’s likely you’ll have more than one employer in your lifetime, which means you’ll probably have more than one pension pot too. This can make it hard to know how much you’ve got saved so far, and whether you’re on track to meet your future goals. You could consider transferring your old pensions, and combining them under one roof. You’ll have more control of your money and where you’re invested in the run up to and in retirement. If you’ve lost track of your old pensions over the years don’t worry. The government’s pension tracing service can help you track them down. If you’re thinking about transferring, check you won’t lose valuable guarantees or benefits or have to pay high exit fees. CONSIDER WHEN TO FINISH WORK There isn’t a standard retirement age anymore, so the line between retirement and working life isn’t clear cut. Your financial situation and health are likely to influence when you finish working. You might decide to retire earlier or carry on working well into later life. In fact, many people choose the best of both worlds and semi-retire first. All employees have the right to request flexible working from their employer, which includes cutting down your hours. Your employer has the right to refuse but they must give you a valid reason for doing so. The Citizens Advice Bureau provides guidance on how to request flexible working. WORK OUT HOW MUCH YOU NEED TO RETIRE To help simplify saving for retirement, the Pensions and Lifetime Savings Association (PLSA) has updated national income and living standards to help people work out how much income they might need. They have set out three living standards: • Minimum: £12,800 a year will cover all your needs with a bit of money left over for fun • Moderate: £23,300 a year would leave you more financially secure • Comfortable: £37,300 a year would mean you have more financial freedom and can afford some luxuries These figures are based on a single person living outside of London. Find out more at www.hl.co.uk Help at hand with the press of a button 24 hours a day 50% off an installation with code ‘NEWFOREST’ Always at the end of the phone for you Helping to keep you independent at home A helping hand when you need it most Staying connected so you’re never alone 023 8028 5523 appletree.careline@nfdc.gov.uk • newforest.gov.uk/appletreecareline 46 | www.minervamagazines.co.uk
BLOOMING LOVELY ENJOY EXBURY THIS SUMMER Our spectacular collection of landscaped woodland, herbaceous, contemporary, formal and wildflower gardens set against the backdrop of the Beaulieu River, provide an ever-changing palette of colour that will entice you back to witness the seasons unfold. Welcome back to the great outdoors. exbury.co.uk Exbury Gardens <strong>New</strong> <strong>Forest</strong>, Hampshire, SO45 1AZ info@exbury.co.uk | 023 8089 1203
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New Forest Living Jul - Aug 2023

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