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Retirement and Investment Solutions
5 Lancer House
Hussar Court
Westside View

T: 01489 878300

F: 0870 010 4883



 Please contact us about any of our Investment or Retirement Planning Advice services.

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Research undertaken by Just Retirement on lifestyle changes and medical issues show it is now estimated that between 55% and 65% of people retiring could have a condition that might qualify for an enhanced annuity and obtain a much needed boost to their income in retirement.

Recent advances in the accuracy of medical underwriting have enabled a ‘widening’ of the conditions that might qualify for an enhancement. Just Retirement’s research shows that more people than ever could benefit from an enhancement to their income in retirement. Also combinations of medical conditions and lifestyle issues are now taken into account in far greater detail.

State Pension Age increasing

There are two elements to this:


The age at which females will receive their State pension is being increased from 60 to 65 to bring it in line with the State Pension Age (SPA) for men.

This increase is being phased in gradually over a period of years with the result that women born between 5th April 1950 and 5th April 1955 will have an SPA of between 60 and 65 – all women born after 5th April 1955 will automatically have an SPA of 65.

The original intention was that this increase would be phased in over a period of years ending in April 2020.

Sun Life of Canada have recently commissioned a study on the retirement needs of the mass affluent “Sense Check at 60”.

The report explores how well prepared this group of people are for retirement and how much planning they’ve put into their retirement. It examines the nature of risk in retirement and defines the key risks people face managing their pension savings.

Here are some of the key findings from the report:

• Almost half (49%) expect to generate between £20,000 – £40,000 from their pension and other savings (21% expect an income of over £50,000).

• Yet 59% of respondents have less than £300K and 33% less than £200K saved. So their expectations of likely income from their pension savings are unrealistic.

• Around 4 in 10 people in our survey expect to work after retirement (another 19% are undecided).

• Three quarters of our survey believe retirement planning is more complex these days and 65% agreed that financial services companies need to help remove the fear around it.

• Almost 70% had seen an adviser in the last two years – but of those who hadn’t nearly 1 in 5 cited a lack of trust as the reason

On a wet and windy Wednesday night, the RIS team ventured out with much bravado and enthusiasm to conquer the Sir Joseph Paxton’s Pub Quiz!!

After some drinks to calm the nerves and some yummy pub food to stimulate the brain cells we settled in a team of 9, yes 9, to get ready to win!!


At Retirement and Investment Solutions our aim is to make sense of the pensions, savings and investments that you have accumulated in your lifetime and to help you with the three phases of retirement planning:

From our offices in Waterlooville, Hampshire, we focus all our energy into supporting the over 50s, so we can provide you with proactive investment advice at the right time in your life, so you can take your retirement seriously and make this the most exciting time of your life.

Whatever your retirement dilemma, we can offer you the pension advice and solutions you need, giving you peace of mind, security and the opportunity to enjoy your retirement to the full when the time is right.

Call us today on 01489 878300 or click here and we will contact you.

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Contact us

Retirement and Investment Solutions
5 Lancer House, Hussar Court
Hampshire, PO7 7SE

T: 01489 878300
F: 0870 0104883