What are my options at retirement
Let's recap some of the key points to ensure you understand all your retirement options and make the best decisions with your money.
Blending living and fixed annuity
A blended annuity is a combination of a living annuity and a guaranteed annuity. The idea is to determine what your essential expenses are.
Which retirement annuity should I take
With a living annuity you have less certainty but more flexibility. With a guaranteed annuity you have more certainty, but with some limits.
Types of lifetime income
Different types of guaranteed annuities give you different increases each year. Compare that to your starting income.
Fixed annuity
Guaranteed annuities are essentially an insurance product. They guarantee you an income for the rest of your life!
Living annuity in retirement
With living annuities - the most important thing is that you understand the implications of how much you're withdrawing each year.
Retirement decisions
The first question you'll ask at retirement is "how much cash do I take"? Let's help you answer that with this 4 minute video.
Video series on preparing for retirement
This is the first post in a short video series covering everything you need to know to start preparing for retirement!

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About the Author

I am passionate about helping people understand their behaviour with money and gently nudging them to spend less and save more. I have several academic journal publications on investor behaviour, financial literacy and personal finance, and perfectly understand the biases that influence how we manage our money. This blog is where I break down those ideas and share my thinking. I’ll try to cover relevant topics that my readers bring to my attention. Please read, share, and comment. That’s how we spread knowledge and help both ourselves and others to become in control of our financial situations.

Dr Gizelle Willows

Dr Gizelle Willows


PhD and NRF-rating in Behavioural Finance