#pension-drawdown

Fund charges, idle cash, the wrong level of risk and a clumsy drawdown plan can quietly drain your retirement pot. Here’s where the leaks are and how to find them.

A wrong tax code, emergency tax on a pension withdrawal or a P800 letter in the autumn can all catch you out. How to spot the problem and put it right.

Retiring early is easy. Staying retired is the hard part. These are the tax, timing and State Pension traps that drain a pot faster than you planned.