Britain faces a retirement crisis as demographic changes and inadequate savings threaten to leave tomorrow's pensioners significantly poorer than today's retirees.
While many retirees get lost in complex bucket strategies and elaborate withdrawal rules, the most successful retirement investing approach uses just two simple buckets and annual rebalancing to achieve better results with less stress.
The UK Budget 2025 introduces higher taxes on dividends, savings and property income alongside reforms to ISAs and pension salary sacrifice, making tax-efficient investing more important than ever for UK investors.
The 2025 UK Budget introduces frozen tax thresholds until 2031, caps on pension salary sacrifice from 2029, and increased taxes on investment income, meaning higher earners will face significantly larger tax bills by the end of the decade.
The Budget 2025 introduces a £2,000 cap on salary sacrifice pension contributions from April 2029, with National Insurance applying to amounts above this threshold, affecting around a quarter of current users.
