Many more of us are still hale and hearty at 70. The Office for National Statistics has even discussed whether with the increase in longevity we should view 70 as the new 65. But if we are living longer, we will have more old age to save for, and that could mean working longer to save it.
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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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