Planning ahead:

Retirement tips for the over 50s

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, and when you decide to draw down on this. Remember, the value of your pensions can go up as well as down, and can fall below the amount(s) paid in.

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Preparing to retire?

If you’re over 50 and thinking about retiring you might want to consider your options. We can help with the right resources to get you retirement ready.

Pension tips for the over 50s

Transfer your pensions

It’s easy to lose track of different pension pots. You could transfer them to one place and you could save time and money in the long run.

Pensions in one place

Money in retirement

Already retired? Read up on some top tips for making the most of your money in retirement.

Courtesy of our pension experts at Scottish Widows.

Find out more

Making a will

It’s not something we like to think about, but writing a will can give you peace of mind and make it easier for those you leave behind.

Help with your will

Savings and Investments


Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options

Start investing

Choose from a range of options to suit your investment level and needs. Manage your own portfolio or let us do it for you.

Discover investments

How to research the market

Research tools for both new and experienced investors. The research centre helps you stay up-to-date with the latest market news.

Research the market

Your home and property


Home has never been so important. Whether you’re buying a property or looking to make some improvements, we’re here to help you take the next step.

You could lose your home if you don't keep up with mortgage repayments.

How green is your home?

Want to know how energy efficient your home is? Our Eco Home Hub could help you to reduce your carbon footprint and make more sustainable choices for your home.

Eco home hub

Want to pay off your mortgage sooner?

Use our handy calculator to find out how much you could save by overpaying on your mortgage.

Overpayment calculator
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Do more with your mortgage

If you already have a mortgage with us, you may be able to borrow more for home improvements or something special. 

Options for your mortgage

Your remortgage starts here

Thinking of remortgaging? Use our simple tool to find the right option for you.

Your remortgage options

Wealth Management


Whatever your plans, the right advice could help bring them to life. That’s why we’ve partnered with Schroders Personal Wealth, to give more of our customers access to wealth management and financial advice. A Schroders Personal Wealth Adviser will ask about your personal circumstances and aspirations, and develop a plan you can have confidence in.

Am I eligible?

You’ll need to have at least £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.

Check eligibility

How much does it cost?

It all starts with a free, no-obligation consultation. You’ll only pay an agreed fee if you want to go ahead with the advice.

What you’ll pay

Pension planning

Plan for greater financial freedom in your retirement. Access expert advice to plan for your pension.

Pension advice
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Investment management

Even in a volatile market with low interest rates Schroders Personal Wealth has the expertise to help you grow your wealth.

Get expert advice
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Inheritance tax

Help to pass on your wealth to your family, or other beneficiaries, in a tax-efficient way.

Pass on your wealth
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Protecting your family

Protection and financial planning options. Schroders Personal Wealth won’t take a commission for getting you and your family protected. 

Learn how

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.

Book your appointment

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.