A fresh look at retirement

The coronavirus has affected every aspect of your financial planning – and your retirement may be no exception.

At Continuum, we believe that it may be time to take a fresh look at your retirement plans.

What has changed?

The lockdown has had two major economic effects. The first is to cause many of us to have less cash to spend – and some of us will have had to take a holiday from pension contributions until our incomes recover.

The second is the volatility experienced in the markets, where our pension funds are invested.

But the effects of lockdown have not just been economic. Many of us have been spending more time with our families and rediscovering the fact that there is much more to life than work.

You may find that you are keener on retirement and retiring early, at the same time that your current retirement plans have been disrupted.

You may want to retire earlier, and access your pension sooner than you had originally intended. If your plans change, you may need help to ensure you can still afford the retirement you want.

It could be time to take a fresh look at those plans, to get them back on track – or even to change direction to get where you want to be sooner.

Speak to us today

If you are not even sure what kind of pension you can expect, you need help now. Find out about some of the solutions with a free call with a Continuum expert. Find out more here.

The challenges you face

There are some challenges you need to be aware of.

Stock market volatility could have affected your pension pot. The markets may have recovered – but you need to be sure that your pension pot has too.

Changes in the markets, with some sectors doing well while others lag behind may mean it is time to look again at pension drawdown arrangements.

Whether you have already retired, looking forward to finishing work soon – or simply wanting to make the most of your pension pot for the future it could be time for a fresh look at your pension. You need to ensure it will fit the new conditions that are starting to develop as part of a post-covid world.

Call us

If your pension plans have been disrupted, you need to get an expert view without delay. Call us for the help you need.

What can you do?

Taking a fresh look at your pension plans is easier if you have an expert to look with you, who can show you the solutions that may be available.

For the long term, your Continuum adviser could discuss new pension plans, and rebalancing your existing pension investments to take full advantage of the recovery in the markets – and have a broad investment base to help protect you against any further volatility.

If you have decided that retirement is something you would enjoy sooner rather than later, we can help you look at ways to use your pension savings which could make them work harder for you. This could mean that even if they are not as large as you originally planned, they could still provide the kind of income you need.

Whether your fresh look at your pension is for the long term, or you need new ways of looking to make the most of what you have in the short term, we can help.


The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable pension or investment strategy, you should seek independent financial advice before embarking on any course of action.

The value of investments can fall as well as rise and you may get back less than you invested.

Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means tested benefits.

Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.




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Our services at Continuum are delivered by some of the most qualified advisers in the UK, to create the ultimate client experience.

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