FT Money Investment Forum 2019 (C) | Financial Times | 4 November 2019 | etc.venues Fenchurch Street, 8 Fenchurch Pl, London EC3M 4PB, UK

The concept of retirement is changing - and so is pension saving.

Increasing life expectancy means our money has to work harder for longer - and if it doesn't, we will have to! Many professionals will want to continue working in their 60s and 70s but perhaps in a different way, using a lump sum from a pension to start a business or retrain in a new area. Others will want to use their retirement wealth to finance the ambitions of the next generation.

Whatever the situation, sweeping pension freedom reforms have opened up new and exciting options for those planning their retirement - but the array of choices on offer can feel bewildering.

At a financial level, there are many decisions to weigh up as savers work out the best way of taking income from their funds, including whether to "cash out" of or consolidate pensions whilst staying on the right side of increasingly complex tax rules. Many will hope to use the tax benefits of pensions to structure their inheritance planning.

Pension savers must also understand the risks they may be exposing themselves to by staying invested, and keep a firm eye on fees.

2019 Speakers

Camilla Cavendish
Columnist, Financial Times

Michael Martin
Private Client Manager, Seven Investment Management

Josephine Cumbo
Pensions Correspondent, Financial Times

Claer Barrett
Personal Finance Editor, Financial Times, Editor, FT Money

2019 Sponsor

ASSOCIATE SPONSOR:
• Seven Investment Management