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Pension fears? Blend annuity with drawdown for security

Source: thetimes.com

A couple in their sixties worry their £1.2 million pension pot won't last until they die at age 95.
Financial adviser Holly Thomas recommends buying an annuity for guaranteed income and investing the rest flexibly.
This strategy provides security while allowing access to funds for holidays or emergencies.

A retired couple emails Holly Thomas, head of technical consultancy at Bower Retirement, seeking advice on managing their £1.2 million pension savings. They fear running out of money if they live to 95, given their modest spending and desire for occasional luxuries like holidays. Thomas outlines a balanced approach using annuities for steady income and drawdown for flexibility, helping readers understand safe retirement planning amid longevity risks.