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Investing during retirement

There are many reasons you might want to invest during retirement, although most people are looking for enough income for a comfortable retirement. But your priority may simply be saving more to pass on to future generations. Or you may be concerned about long-term care or want to help your children on to the property ladder.

Whatever your intentions, a delicate balance is needed between providing enough income for a comfortable retirement and continuing to grow your capital. The good news is that with careful planning and the right investment strategy, it is possible to achieve your goals. This is where we can help - book a free consultation below. 

  

Request a callback

To discuss how to invest during retirement, book a complimentary, no-obligation consultation.

Request a callback

Frequently asked questions about investing during retirement

Our short video series answers some of the most frequently asked questions about investing during retirement: 

  • How can I protect my pension pot in retirement? 
  • How can we help you invest during retirement? 
  • Should I rebalance my investment portfolio when I retire? 
  • What are the risks of investing in retirement? 
  • What investments are good for retirement? 

Investing in retirement

Need to learn more before you speak to us?

Watch Matt Swatton, one of our Financial Planners as he talks through everything you should consider when investing in retirement.

Watch the video

How to invest during retirement

1. Start with a plan

Based on your retirement goals, an expert personal Wealth Planner can work with you to review your current situation and devise a suitable investment approach. 

2. Consider asset allocation and balancing risk

Traditionally, investment strategies during retirement focus on lower-risk fixed income assets such as bonds or gilts. However, even within these markets, it’s vital to be selective to manage risk. There are other dependable investments, such as in real estate, infrastructure, healthcare and renewable energy that can also be incorporated into your retirement portfolio.

Your personal Wealth Manager will ensure your investment portfolio is diversified across different asset classes to help achieve the right balance between income and growth to achieve your unique goals.

3. Weigh up the tax implications

Growth on your investments may be subject to tax, so you will need to act carefully when deciding when to cash in your investments, which you may do more regularly in retirement.

4. Accept that things might change

It’s important to ensure that your financial plans remain flexible. Who knows what the future might hold and although you may have a good idea of how much money you’ll need in later years, it’s also important to prepare for the unexpected. Using cash flow planning, our Wealth Planners can stress-test your plans against different scenarios to ensure you’re able to meet your objectives no matter what.

Investing during retirement - how can we help?

There are many ways in which investing can make your money go further in retirement. Our independent Wealth Planners can help you formulate the retirement investment strategy that suits you best.

Your personal Wealth Planner can:

  • Review your finances as a whole and recommend the best approach for you personally
  • Help you choose the best asset classes and recommend the best funds available for your needs from the whole of the market, not just CGWM
  • Partner with a CGWM Investment Manager to manage your investment portfolio for you.

  

Request a callback

To discuss how to invest during retirement, book a complimentary, no-obligation consultation.

Request a callback

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

The tax treatment of all investments depends upon individual circumstances and the levels and basis of taxation may change in the future. Investors should discuss their financial arrangements with their own tax adviser before investing.

The tax treatments set out in this communication are based on our current understanding of UK legislation. It is a broad summary and cannot cover every circumstance and it does not constitute advice.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.

  

Our specialist wealth planning solutions

Retirement planning

Learn more

Inheritance tax services

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Long-term care planning

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Services for business owners

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Comprehensive wealth planning

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Wealth management explained

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Keeping you informed

Investment outlook 2023

Thomas Becket from our Chief Investment Office shares the investment outlook for 2023, and what this means for investors. 

Read more
Webinar: what lies ahead - transatlantic views on a world of investment opportunities

Watch our webinar: Thomas Becket in conversation with Tony Dwyer, sharing their views on transatlantic investment opportunities

Read more
How can investing in AIM shares help to manage inheritance tax (IHT)?

With our families’ future financial wellbeing always in the back of our minds, we’d all welcome legitimate ways to manage inheritance tax (IHT) liability. One way to do this is by investing in the Alternative Investment Market (AIM).

Read more

See all blog posts

  

  

  

Meet some of our wealth planning experts

If you would like to know more about how our independent Wealth Planners can help you invest during retirement, please get in touch. We will be delighted to provide more details of our services.

Photo of Clive Collins

Clive Collins

Chartered Financial Planner

Clive is a Chartered Financial Planner with over 27 years experience. Clive is a Fellow member of the Personal Finance Society and committed to provide the best outcomes for clients. 


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Sharon Thorpe

Wealth Planning Director

Professionally qualified as a financial adviser, Sharon holds the Diploma in Financial Planning and has over 25 years experience in the financial services industry. Sharon is passionate about building relationships with her clients based on trust and understanding, and providing continuity of service over many years and sometimes throughout generations. 

Sharon puts her client’s lifetime goals and objectives at the forefront of all her recommendations, helping them to make the best decisions (sometimes difficult ones) now in order to achieve their financial goals later in life. She uses Life Planning tools to help clients visualise whether they are on track to meet their goals. 

Sharon provides comprehensive wealth management solutions, with particular focus on investment advisory, discretionary services and financial planning with private clients, trusts and some charities. 


 

Book a free consultation with a Wealth Planner

  

Please give us your consent, email address and phone number to be contacted to book a free consultation:

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What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.

 

Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.