The coronavirus pandemic has been spurring many to reassess their careers and their retirement plans. Some might be discovering the advantages of more family time, more flexible hours, and freedom from the long commute. But for others it is a reminder of the effects of reduced income, insufficient pension savings, and financial worries.
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As the coronavirus crisis has shown, none of us know what is around the corner, and with social distancing showing us alternative ways to live, work, spend, and communicate some of us are asking whether we really should go back to the ways things were.
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Choice never used to be part of retirement planning. When you hit state pension age, your private or workplace pension would buy an annuity, at whatever rate your pension provider was offering. If it didnโt suit your circumstances or your pension to was too small, it was simply too bad.
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