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The Isaac Blog

Practical, jargon-free guides to UK retirement planning — pensions, tax, the State Pension, inheritance, and more.

How safe is my retirement plan? Two ways to stress-test it

Why a projection cannot tell you, sequence-of-returns risk with a worked example, what a 90% chance means, and the four levers that move it.

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The 4% rule in the UK: does it still work?

Where the rule came from, why it travels badly to the UK, why it is too cautious once the State Pension is counted, and four answers from one £500,000 pot.

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Retiring before your State Pension: how to bridge the gap

Size the gap, decide which money to spend first, keep every personal allowance working, and stress-test the years before 67. A worked example with 2026/27 figures.

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How Much Do I Really Need to Retire?

A deeper look at the personal factors that shape your retirement number — beyond the standard benchmarks.

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How Much Do I Need to Retire in the UK?

Retirement Living Standards, pension pot sizes, tax, inflation, and how to work out your personal number. Practical figures for a minimum, moderate, and comfortable retirement.

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