retirement income
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The FCA wants your home to be a fourth pillar of retirement. What later life lending means before you borrow against it
Read more: The FCA wants your home to be a fourth pillar of retirement. What later life lending means before you borrow against itThe FCA says housing wealth should sit alongside the State Pension and workplace and personal pensions as a fourth source of retirement income, and that the market is not ready. What later life lending is, what it costs, what is changing and what to check first.
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Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)
Read more: Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)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,…
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When to Claim Social Security: 62 vs 67 vs 70 (2026 Break-Even Guide)
Read more: When to Claim Social Security: 62 vs 67 vs 70 (2026 Break-Even Guide)Claim Social Security at 62 and you lock in a permanently smaller check; wait until 70 and every year of delay adds about 8%. The right age is not the same for everyone. Here is the 2026 break-even math, how delayed retirement credits and the earnings test actually work, what your decision means for a…
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Required Minimum Distributions (RMDs) 2026: Age 73/75 Rules, Tables and the Penalty
Read more: Required Minimum Distributions (RMDs) 2026: Age 73/75 Rules, Tables and the PenaltyRequired minimum distributions are the IRS’s way of finally taxing the retirement savings you have deferred for decades, and SECURE 2.0 changed the rules. Here is who must take an RMD in 2026, the age 73 and 75 thresholds, how to calculate the amount, the costly first-year timing trap that catches new retirees, and the…
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