
The law says the State Pension age reaches 68 between 2044 and 2046. The Office for Budget Responsibility builds its projections on 2037 to 2039. Only one of those is legislation, and the difference is about seven years of your retirement.

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,…

ISA or SIPP for 2026/27? Higher dividend tax tilts the maths toward ISAs this year, and April 2027 will bring pensions inside the IHT estate. Compare tax relief, access rules and inheritance planning, with an interactive calculator.
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