How can I get help on my pension choices at retirement?

Deciding how to access your pension when you retire can be difficult. To help, you can get free guidance on your options from the government-backed service Pension Wise. This is also available face to face from the charity Citizens Advice.

If you set up a drawdown pot with us, we’ll offer you Investment Pathways. There are four AJ Bell Investment Pathways funds you can choose from, each designed to broadly match your retirement plans. Choosing an Investment Pathway is entirely optional – you can make your own decisions or just keep your drawdown pot invested where it already is.

Other companies also offer Investment Pathway funds, so it may be a good idea to shop around first. MoneyHelper has a handy Investment Pathway comparison tool. You can also seek advice from an FCA-regulated financial adviser.