Disclaimer

Semi Sweet gives general information and guidance. It is not financial, tax, legal or medical advice, and we are not authorised or regulated by the Financial Conduct Authority.

• Calculators give estimates. They use the figures and assumptions set out on each page and in how our tools work. Your real position may be different.
• Rules change. We check our figures regularly, but tax, pension and benefit rules can change at short notice. Always check the latest position on GOV.UK.
• Personal stories are personal. When we share our own decisions, that is what they are: one person’s choices, not recommendations for you.
• No product recommendations. We do not recommend specific financial products or providers.
• Health figures are averages. They describe populations, not individuals. Speak to your GP about your own health.

Where to get free, impartial help

• MoneyHelper, the government-backed money and pensions guidance service
• Pension Wise, free appointments for people aged 50 or over with a defined contribution pension
• GOV.UK State Pension forecast

If you want personal advice, use a financial adviser authorised by the FCA. You can check any firm on the FCA register.