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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

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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

12 days of Christmas with CGWM: Our festive financial top tips

Our financial planners and investment managers invite you to join us for our ‘12 days of Christmas with CGWM’ for our festive financial top-tips. For each of the first 12 days of December, we’ve unwrapped a financial top-tip to help you manage your finances over the festive season and beyond.

Read more
Gifting out of surplus income to reduce inheritance tax

In this article, we look at the benefits of gifting your surplus income to family members and how this can help reduce inheritance tax. 

Read more
Autumn Statement 2023: A statement for growth?

Read our summary of the Chancellor’s Autumn Statement, in which we examine how the Chancellor’s announcements may impact you.

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 Phil Raper

Phil Raper

Wealth Planning Director

Phil is a Wealth Adviser for Canaccord Genuity Wealth Management, providing bespoke lifestyle, wealth and tax planning advice to high net worth individuals. He is a member of the Personal Finance Society, the Institute of Financial Planning and the Chartered Insurance Institute.

Photo of Daniel Sugarman

Daniel Sugarman

Senior Wealth Adviser

With over 12 years of experience, I take pride in assisting clients in achieving their objectives by providing tailored solutions to meet their needs. I advise high net worth individuals across a wide range of areas, including investment planning, retirement planning, inheritance tax planning and tax-efficient investing. Perhaps my favourite part of the job is when I am able to encourage clients to retire early or help their children, following extensive discussion and cash flow modelling exercises.

I am a Chartered Financial Planner who truly values the special relationships that I have built with my clients over the years.



Book a free consultation with a Wealth Planner


Typically, we provide financial advice to clients with assets over £250,000 or investment management services to clients who have over £250,000 of investable assets. If you’re looking for investment services at lower levels, we may have other options available.

By providing your email address and phone number you agree 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.