protect your pension

Planning for retirement is about more than simply building a pot. It’s also about keeping future contributions on track if life takes an unexpected turn. Most people think about long-term investment growth, tax efficiency and making regular payments. Fewer think about what happens if their income suddenly stops. Illness, injury or extended time off work can make it harder to keep up contributions, and this can leave a noticeable gap in retirement plans. Your pension relies on consistency. Even a temporary pause in contributions can affect what you have in later life, especially if it happens during key earning years.…