The State cannot provide more than a basic level of retirement income so we all need to take personal responsibility for our retirement income. Because we are living longer, we are retired for longer, and the proportion of our lives spent earning is shorter. This means that the earlier you begin saving for retirement the better.

Making sure you achieve the type of retirement you have always wanted is not just dependent on how you have planned your finances, but also on when and how you choose to access them.

It is important that you understand the options available to you as the decision you make at this stage will influence your income for the rest of your life.

The value of your pensions, and the income they produce, can fall as well as rise and you may get back less than you invested.

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