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How Far Does £1 Million Go in Retirement?

Download The 15-Minute Retirement Plan to learn more


Your retirement goals, needs, and time horizon are important factors in developing an appropriate retirement investment strategy. If you have £250,000+ to invest, get your free guide and ongoing insights.

Many folks approach retirement by asking, what percentage of my current salary will I need to replace? That percentage is usually less than 100, as most envision costs falling in retirement—the kids are grown, big loan obligations are almost complete, they aren’t commuting anymore and life gets simpler. A majority of workers surveyed believe they can live off of 70% of their pre-retirement income. Yet some warn folks are vastly underestimating their future expenses. Who’s right? Well, it depends—everyone’s situation is unique. There is no one cookie-cutter salary replacement ratio that will work for everyone.

Taking stock of your current costs and income sources and projecting them forward can give you a better idea of what you’ll need from your portfolio during retirement. First, you’ll need to figure out your costs, both fixed (like a fixed-rate mortgage or medicines) and variable (utility bills). You should also identify discretionary costs, too—if an unexpected expense arises or if returns aren’t what you projected, this would be the first place to make adjustments. Factoring in your current costs, as well as planning for future ones (e.g., a grandchild’s tuition and traveling the world) will give you a sense of what your portfolio needs to provide. Granted, nobody can predict their future expenses perfectly—life changes. But having a plan in place will put you in a better position to avoid any nasty surprises.

Fisher Investments UK 15-Minute Retirement Plan can help you begin the process of developing a retirement investment strategy that is suited to your individual goals and financial situation. A variety of topics will be covered in the guide including:


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The Truth About How Long Your Nest Egg May Last

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Why It’s Important To Prepare For A Long Retirement

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How Inflation Can Impact Your Retirement Plan


Fisher Investments UK Can Help


Fisher Investments UK offers investment management services provided by Fisher Investments, its parent company in the United States founded by Ken Fisher in 1979. Combined, Fisher Investments, Fisher Investments UK and its affiliates advise private clients globally, including the UK, the United States, Belgium, Canada, Denmark, France, Italy, the Netherlands, Norway, Sweden, and Spain.

In each of these markets, our clients receive portfolio management tailored to their specific needs and long-term goals. Their assets are held at nationally-recognised custodians and they receive a dedicated Investment Counsellor who serves as their direct line of communication to Fisher's thoughts on the market and how the market could impact them. The transparent and proactive approach that clients receive is just one of the factors that have made Fisher Investments Europe recognised as "Wealth Manager of the Year" for three consecutive years by ADVFN.


Investing in financial markets involves the risk of loss and there is no guarantee that all or any capital invested will be repaid. Past performance neither guarantees nor reliably indicates future performance. The value of investments and the income from them will fluctuate with world financial markets and international currency exchange rates.


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