Retirement income planning

Many people spend decades preparing for retirement. But once retirement begins, a new challenge emerges: turning the savings you've built into an income that supports your needs and goals today, while helping provide for tomorrow.

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The next chapter

Retirement is a transition, not just a destination

Our report explores how retirees are navigating this transition, from managing inflation and market uncertainty to making spending decisions, planning ahead and adapting as their retirement evolves.

Download the report to discover:

Why retirement planning doesn't stop when work ends
The challenge of shifting from saving to spending
How retirees are balancing financial stability with lifestyle goals
Key considerations for retirement income planning
The role advice can play throughout retirement

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Retirement planning doesn't end at retirement

Retirement is often seen as a destination. Years of saving, investing and preparing leads to a significant milestone: the day work stops. Yet our research suggests that retirement is rarely the end of the journey.

This report is based on research conducted by Lloyds Wealth in May 2026 among 1,600 UK adults.

Watch our webinar

Join two of our financial advisers as they answer common questions about managing money in retirement and discuss how to balance spending and saving while making the most of the next chapter.

This report and webinar are provided for general information purposes only and do not constitute financial advice. Retirement planning and retirement income needs vary from person to person, and any examples, findings or commentary should not be relied upon as a guide to individual outcomes. If you choose to take financial advice and proceed with any recommendations, fees and charges will apply.

Pensions and investments can fall as well as rise in value, and you may get back less than you originally invested.