5 essential steps to plan for an early retirement

Retiring early can be achievable, but it requires careful planning. This guide looks at how to identify a potential pension shortfall, estimate what you may need and consider the steps available to you.

Download the guide to explore five practical steps towards an earlier retirement.

Please note: This guide is for general information only and does not constitute advice. The information is aimed at retail clients only.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested.

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Investment market update: January 2026