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It takes a mindset that looks to the future – how to update your retirement plans

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Whether you aim to call it a day at 50, 60 or 70, our seven-step guide will help keep your finances fighting fit – so you can enjoy life to the full

Picking a personal pension or signing up to a workplace scheme can feel like a box ticked. Then life intervenes. It’s often said that you’re not the same person at 40 or 60 as you were at 20 or 30. Priorities shift, life diverts you and the best laid plans come to fruition. Or they don’t.

The pandemic has been a paradigm of financial disruption. Markets have fallen, people have lost jobs or been forced to dip into savings. Yet, according to a recent YouGov survey, almost a third of the population has managed to save more than before.

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