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Retirement Articles

We cover all the important topics to help you meet your retirement goals: The State Pension, SIPPs, ISAs, saving & planning for retirement.

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Recent Retirement Articles News

A senior man and his wife holding hands walking up a hill on a footpath looking away from the camera at the view. The fishing village of Polperro is behind them.
Investing Articles

With spare cash to invest, does it make more sense to use a SIPP or an ISA?

| Christopher Ruane

ISA or SIPP? That's the dilemma this writer faces when trying to decide how to buy shares. So, what sort…

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Group of friends meet up in a pub
Investing Articles

Here’s how UK dividend shares could help you retire years earlier!

| Royston Wild

Looking for ways to retire early? I know I am. Here are three top tips that could help you finish…

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Happy single mother and son looking at the window view both smiling while traveling by train
Investing Articles

Want to boost your retirement fund? Consider a Stocks and Shares ISA

| Royston Wild

Investing in the stock market with a Stocks and Shares ISA can supercharge long-term wealth. Royston Wild explains the benefits…

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piggy bank, searching with binoculars
Investing Articles

Is the FTSE 100’s highest-yielding share worth considering for a retirement portfolio?

| Christopher Ruane

This well-known FTSE 100 share has put in a disappointing performance lately. But might a retirement portfolio benefit from its…

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Storytelling image of a multiethnic senior couple in love - Elderly married couple dating outdoors, love emotions and feelings
Investing Articles

How much should a 50-year-old put in a SIPP to earn a monthly passive income of £1,000?

| Zaven Boyrazian, CFA

Even with no savings at 50, a SIPP is a great way to build a six-figure nest egg for a…

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A senior man and his wife holding hands walking up a hill on a footpath looking away from the camera at the view. The fishing village of Polperro is behind them.
Investing Articles

3 steps aimed at getting richer, retiring early, and beating the State Pension

| Zaven Boyrazian, CFA

Zaven Boyrazian explains a simple three-step strategy for building wealth and generating a passive income that eventually could beat the…

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A senior man and his wife holding hands walking up a hill on a footpath looking away from the camera at the view. The fishing village of Polperro is behind them.
Investing Articles

What’s a realistic goal to aim for when building a SIPP?

| Christopher Ruane

How big (or small) should someone dream when building up a SIPP? That depends on a number of different factors,…

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The words "what's your plan for retirement" written on chalkboard on pavement somewhere in London
Investing Articles

3 ways a SIPP can turbocharge your retirement savings

| Edward Sheldon, CFA

Edward Sheldon looks at the benefits of SIPPs for retirement saving and highlights a growth-oriented investment worth considering.

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A mature adult sitting by a fireplace in a living room at home. She is wearing a yellow cardigan and spectacles.
Investing Articles

How much do you need in a Stocks and Shares ISA to generate enough passive income for a ‘comfortable’ retirement?

| Edward Sheldon, CFA

An investment ISA can be a very effective retirement saving account. But how much money do you need to create…

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A mature woman help a senior woman out of a car as she takes her to the shops.
Investing Articles

How much do you need in an ISA for a passive income that beats the State Pension?

| Zaven Boyrazian, CFA

Investing in UK shares can offer a lucrative path for generating passive income. Zaven Boyrazian shows how investors can aim…

Read more »

Friends at the bay near the village of Diabaig on the side of Loch Torridon in Wester Ross, Scotland. They are taking a break from their bike ride to relax and chat. They are laughing together.
Investing Articles

State Pension fears? 3 cheat codes that could help you retire in comfort

| Royston Wild

Want to boost your chances of hitting your retirement goals? Consider these investing tips to protect yourself from a meagre…

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Rear view image depicting a senior man in his 70s sitting on a bench leading down to the iconic Seven Sisters cliffs on the coastline of East Sussex, UK. The man is wearing casual clothing - blue denim jeans, a red checked shirt, navy blue gilet. The man is having a rest from hiking and his hiking pole is leaning up against the bench.
Investing Articles

Why a £250K ISA won’t replace your salary – but could still transform your retirement

| Andrew Mackie

What could a £250,000 ISA really do for you? It won’t retire you overnight, but it could reshape your income,…

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Storytelling image of a multiethnic senior couple in love - Elderly married couple dating outdoors, love emotions and feelings
Investing Articles

Here’s how you could build a £23,455 second income with just £100 a month!

| Royston Wild

Drip-feeding money into growth and dividend shares can eventually deliver a stunning second income in retirement. Royston Wild explains how.

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Investing Articles

The biggest holding in my SIPP in 2026 is…

| Zaven Boyrazian, CFA

Zaven Boyrazian reveals his largest SIPP investment in 2026 that’s already surged over 150% since he first bought the shares.…

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The words "what's your plan for retirement" written on chalkboard on pavement somewhere in London
Investing Articles

How large would an ISA need to be to deliver £3,580 per month in passive income?

| Mark Hartley

Mark Hartley reveals how boring FTSE 100 shares may be the best choice for building a passive income stream with…

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happy senior couple using a laptop in their living room to look at their financial budgets
Investing Articles

The State Pension will pay £12.5k in 2026. You can aim to double it by investing in a SIPP

| Zaven Boyrazian, CFA

The State Pension is increasing but its still not enough on its own for an easy retirement. Zaven Boyrazian explains…

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Friends and sisters exploring the outdoors together in Cornwall. They are standing with their arms around each other at the coast.
Investing Articles

Just £7 a day could deliver a £33,700 passive income with dividend shares!

| Royston Wild

Want to target a large and sustainable passive income in retirement? Buying a diversified range of growth and dividend shares…

Read more »

A senior man and his wife holding hands walking up a hill on a footpath looking away from the camera at the view. The fishing village of Polperro is behind them.
Investing Articles

Here’s how you could build a second income in 2026 with £10 a day!

| Royston Wild

Discover how investing in the stock market can deliver a huge second income -- and a top fund Royston Wild…

Read more »

Content white businesswoman being congratulated by colleagues at her retirement party
Investing Articles

I asked ChatGPT to find 3 shares for a brand new SIPP, and it picked…

| Alan Oscroft

Many UK investors will have an ISA or SIPP on their planning lists for 2026, while others seek new additions…

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A senior group of friends enjoying rowing on the River Derwent
Retirement Articles

How much do you need in an ISA to earn a £5,000 monthly passive income?

| Royston Wild

Holding dividend shares in a Stocks and Shares ISA can deliver a robust long-term passive income. Consider this strategy for…

Read more »

Portrait Of Senior Couple Climbing Hill On Hike Through Countryside In Lake District UK Together
Investing Articles

How much do you need in a Stocks & Shares ISA for a £3,333 monthly passive income?

| Royston Wild

Buying dividend stocks can supercharge your passive income from a Stocks and Shares ISA. Consider this investing strategy for retirement…

Read more »

Woman riding her old fashioned bicycle along the Beach Esplanade at Aberdeen, Scotland.
Investing Articles

Here’s how a 10-share SIPP could combine both growth and income opportunities!

| Christopher Ruane

Juggling the prospects of growth and dividend income within one SIPP can take some effort. Our writer shares his thoughts…

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A mature adult sitting by a fireplace in a living room at home. She is wearing a yellow cardigan and spectacles.
Investing Articles

Not using a SIPP? Here’s how much money you could be missing out on…

| Zaven Boyrazian, CFA

Over the last 25 years, some smart SIPP investors have made almost £3.5m by putting aside just £500 a month!…

Read more »

Friends and sisters exploring the outdoors together in Cornwall. They are standing with their arms around each other at the coast.
Investing Articles

How much do you need in an ISA to triple the 2026 State Pension?

| Zaven Boyrazian, CFA

Even with a 4.8% jump, the UK State Pension's still not enough for a comfortable retirement. Here's how big an…

Read more »

A senior man and his wife holding hands walking up a hill on a footpath looking away from the camera at the view. The fishing village of Polperro is behind them.
Investing Articles

Not using a Stocks and Shares ISA? You could be missing out on a wealthy retirement!

| Royston Wild

With significantly higher returns than the Cash ISA, Royston Wild explains how a Stocks and Shares ISA can supercharge your…

Read more »

Senior couple are walking their dog through a public park in Autumn.
Investing Articles

If a 30-year-old puts £500 a month in a SIPP, by retirement, they’d have…

| Zaven Boyrazian, CFA

Worried about not having enough money to retire on? Regularly investing in a Self-Invested Personal Pension (SIPP) may be worth…

Read more »

Senior woman potting plant in garden at home
Investing Articles

Could a 10%+ yielding dividend share like this make sense for a retirement portfolio?

| Christopher Ruane

With a double-digit percentage yield, could this FTSE 250 share be worth considering for a retirement portfolio? Our writer weighs…

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Mature people enjoying time together during road trip
Investing Articles

Keen for early retirement with a second income from dividends? Here’s how much you might need to invest

| Mark Hartley

Ditching the office job early is a dream of many, but without a second income, is it possible? Here’s how…

Read more »

A mature adult sitting by a fireplace in a living room at home. She is wearing a yellow cardigan and spectacles.
Investing Articles

5,223 shares of this high-yield dividend star pay an income equal to the State Pension

| Zaven Boyrazian, CFA

Zaven Boyrazian explores a leading dividend stock in the FTSE 100 and calculates how many shares investors have to buy…

Read more »

Friends at the bay near the village of Diabaig on the side of Loch Torridon in Wester Ross, Scotland. They are taking a break from their bike ride to relax and chat. They are laughing together.
Investing Articles

I asked ChatGPT for 5 world-class UK stocks for a retirement portfolio. Here’s what it gave me

| Mark Hartley

Searching for top-quality UK stocks for a retirement portfolio? Here are some names that the world's most popular generative AI…

Read more »

Friends at the bay near the village of Diabaig on the side of Loch Torridon in Wester Ross, Scotland. They are taking a break from their bike ride to relax and chat. They are laughing together.
Investing Articles

How much do you need in an ISA to earn a £33,333 passive income?

| Royston Wild

Discover how to target a five-figure passive income in a Stocks and Shares ISA -- and a top 7.6%-yielding dividend…

Read more »

Content white businesswoman being congratulated by colleagues at her retirement party
Investing Articles

Don’t ‘save’ for retirement! Invest in dirt cheap UK shares to aim for a better lifestyle

| Zaven Boyrazian, CFA

Investing in high-quality and undervalued UK shares could deliver far better results when building wealth for retirement. Here's how.

Read more »

The words "what's your plan for retirement" written on chalkboard on pavement somewhere in London
Investing Articles

How I generated a 25.9% return in my SIPP in 2025 (and my strategy for 2026!)

| Zaven Boyrazian, CFA

Zaven Boyrazian managed to achieve market-beating double-digit returns in his SIPP so far in 2025. Here, he explains how and…

Read more »

Middle-aged Caucasian woman deep in thought while looking out of the window
Investing Articles

How much do you need in an ISA to double the 2026 State Pension?

| Zaven Boyrazian, CFA

Many ISA investors aim to earn a tax-free second income, but how much do they need to invest to double…

Read more »

Exterior of BT Group head office - One Braham, London
Investing Articles

BT shares offer a 4.7% dividend yield – but should I buy them for retirement?

| Mark Hartley

BT shares have made some impressive gains this year as upgrade costs fade. But one glaring issue overshadows its strong…

Read more »

Portrait Of Senior Couple Climbing Hill On Hike Through Countryside In Lake District UK Together
Investing Articles

How much would you need in an ISA to earn a £1,000 monthly passive income?

| Royston Wild

The specific sum you'd need for a £1k passive income may depend on whether you use a Cash ISA or…

Read more »

Woman riding her old fashioned bicycle along the Beach Esplanade at Aberdeen, Scotland.
Investing Articles

State Pension fears? 7 shares to consider for passive income in retirement

| Royston Wild

Discover how Royston Wild intends to fund his retirement -- and hopefully become financially independent from the State Pension.

Read more »

Array of piggy banks in saturated colours on high colour contrast background
Investing Articles

How large must my ISA be for a £3,000 monthly passive income?

| Royston Wild

Discover how to target a reliable long-term passive income with shares, bonds and investment trusts in a diversified ISA.

Read more »

Young Asian man drinking coffee at home and looking at his phone
Investing Articles

The State Pension is £11,973 in 2025. How much more do you need to retire in comfort?

| Zaven Boyrazian, CFA

Even with potential increases in the future, the UK State Pension’s unlikely to provide enough passive income to live a…

Read more »

Content white businesswoman being congratulated by colleagues at her retirement party
Investing Articles

A £150,000 SIPP could generate a retirement passive income of…

| Zaven Boyrazian, CFA

The average pension pot among 65-74- year-olds is close to £150,000, but how much income can that generate in retirement?…

Read more »