10 biggest retirement mistakes | Guide

10 biggest retirement mistakes

In this UnaVida guide, we’ll take a look at the common mistakes people make when it comes to saving for retirement and help you understand how to improve your financial future.


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    A pension is a long-term investment that typically cannot be accessed until age 55 (57 from April 2028). The level of pension benefits offered could change depending on the value of your investments (and any income they may generate).

    The interest rates in effect at the time you begin receiving benefits may also have an impact on your pension income. The tax consequences of pension withdrawals will depend on your unique situation. In later Finance Acts, tax rates, tax bases, and tax relief may change.

    The opinions expressed by Ray Best are meant to inform and educate. Before making any investment decisions always take advice that is pertinent to your investment personality and financial situation.

    You are aware that past performance will not necessarily be repeated in the future, but you should be aware that persistent poor performance invariably will.

    The value of an investment and the income from it could go down as well as up.

    The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

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    The guidance in this website is primarily aimed at a UK audience and is subject to regulation by the Financial Conduct Authority (FCA).

    The Financial Conduct Authority does not regulate tax planning, estate planning, or wills and any form of legal documentation.