
After years out in the cold, annuities are back: UK rates hit 18-year highs in 2026, letting a healthy 65-year-old turn a £100,000 pension into around £7,800 of guaranteed income for life. But an annuity is a permanent decision with real trade-offs against drawdown. Here is how annuities work in 2026, the types that matter,…

The FCA’s new targeted support regime is live from 6 April 2026. What it lets pension platforms do, what it doesn’t replace, and how to use it as a UK saver.
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