Year 30 age 65 — At the doubling
Retirement & drawdown
At retirement the pot is the sum of thirty years of doublings. The job now is turning it into an income you cannot outlive — drawn in the right order, taxed as little as possible.
By this decade a £1,903 pound — and its heading, set at the size it has grown to.
Drawdown is a different discipline from saving. The order you draw from ISAs, pensions and cash changes your tax and how long the money lasts. We build a withdrawal plan that covers your essentials from the most secure sources and takes the rest flexibly, with a cash reserve so you never have to sell into a falling market.
We review it every year against your spending and the markets, and we plan the estate side too — so what the plan built for you passes on the way you intend.