Planning for later life: retirement accounts across systems, employer matching, how much to save, withdrawal rules of thumb, state pensions and catching up when you start late.
3 articles in this category, updated regularly.
Estimate the income you will need, subtract your state pension, size the pot and work back to a savings rate. A worked example with stated assumptions, plus the limits of popular rules of thumb.
How employer matching formulas work, when matched money becomes yours, and how salary sacrifice changes the cost — with a worked example of what leaving part of the match unclaimed costs.
Every retirement account is a choice about when tax is paid. How traditional and Roth accounts, UK pensions and ISAs, and the EU three-pillar model work, with a worked comparison.