Plan ahead with confidence wherever you are in your life's journey.

Retirement tips for the over 50s | Financial Future Planner | Lloyds Bank

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Planning ahead:

Retirement tips for the over 50s

Your retirement resources

When you’re living a busy life, it’s not always easy to focus on the future, but it’s important to plan ahead. Whether you are nearing retirement, far from it, or already retired – together with our pensions expert Scottish Widows, we could help you make the most of your options. 

Preparing to retire?

You may be excited about retiring soon, or uncertain about what the future holds. Read our tips around retirement to help you consider your pension and ensure you’re retirement ready.

Pension tips for the over 50s

Combine your pensions

With a varied working life, our pension pots can end up in different places. Bringing your pensions together can make managing them easier and you could pay less in fees and charges.

Find out more

Will writing service

It’s not something we like to think about but writing a will can give you real peace of mind. It’s good to know your affairs will be in order if the worst were to happen.

Help with your will

Pension Calculators & Tools

Calculate overpayments and tax options with these tools from our pensions expert Scottish Widows.



Pension Calculator

Impact of coronavirus on pensions

Our pensions expert Scottish Widows can help address your most commonly asked questions around coronavirus and your pensions and investments.

Watch the expert sessions

Meet your future self

Take a look at your future self and find out what age you could retire with this fun tool from our pensions expert Scottish Widows.

Get started

Changing futures

To help get the UK planning for a changing future, our pensions expert Scottish Widows has partnered with Channel 4 for Pension Awareness Day 2020. 

Learn more

Plan for your future

For over 200 years our pensions expert Scottish Widows has guided people through good times and bad. Take a look at their videos and articles on how to plan for your future.

Taking on your future together

Savings and Investments

Savings accounts offer a low-risk, safe and accessible way for you to look after your money.  However, if interest rates reduce, your returns may be affected. If you are looking for a higher return on your money – you might want to consider investing. There is a higher level of risk involved, but it could help your money grow faster. 

 Remember: When investing, your capital is at risk. If you are unsure about investing, seek independent advice. Tax treatment depends on your individual circumstances and may be subject to change in the future.

Ways to invest

There’s a wide range of options to suit all levels of investment experience. Choose to manage your own investment portfolio or select a risk level and let us do it for you. 

Discover investments

Investing in a volatile market

Discover what you need to consider before investing in a volatile stock market with our compilation of ‘need-to-know’ essentials.

Learn more

New to investing?

Take your first steps into investing with our beginners 5 step guide. It’ll help you get started with your investment options and goals.

Read our beginners guide

Investments fees and charges

Want to know more about potential fees? Take a look at our investment charges and see how we compare with other providers.

Compare charges

Home ownership and property

Whether you’re putting that first foot on the property ladder, already have a mortgage, are renting, own a property, or own multiple properties, we could help you take the next step.
You could lose your home if you do not keep up mortgage repayments.

Buy to Let

Whether you're purchasing your first buy to let or adding another property to your investment portfolio, we have a range of buy to let offers.

Find out more

Borrowing to renovate

If you’re thinking about home improvements or extending your home, you could remortgage or take Additional Borrowing. Get started today and see your options.

Mortgage 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?

To benefit from wealth management services from Schroders Personal Wealth, you will 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

Invest in your future

A Schroders Personal Wealth adviser gives you access to expert investment management services and financial products tailored to your risk appetite.

Seek investments advice

Pass on your wealth

Make arrangements for passing on your wealth in a tax-efficient manner. Expertise from a wealth adviser could help you do so more effectively and give you greater peace of mind. 

Plan to pass on your wealth

Protect your family’s future

We can help you safeguard your finances now to ensure your family will be financially secure in the long-term, if your circumstances change.

Learn how

Planning for retirement

Schroders Personal Wealth advisers will evaluate where you are now and create a strategy to aim for the savings and retirement income you’re looking for.

Retirement planning

Wealth Management fees

Our partners Schroders Personal Wealth will always be transparent about any fees for advice, and any charges for third party products. 

See fees and charges

How to talk to an expert

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

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.

We may monitor or record telephone calls to check 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.