When should you start thinking about your retirement?
The short answer is, earlier than you think.
The better answer is, now’s as good a time as any.
The ‘when’ to start isn’t an exact science. Because the truth is in reality, there’s no perfect time to start. It’s not about hitting a certain age, it’s about taking the opportunity to check in when you can. And yes, thinking about it earlier can give you more options.
But if retirement is starting to feel closer, it’s not too late to start and make a difference. Taking a bit of time today to think about what you want your future to look like can still have a real impact.
It’s less about timing, more about moments
If you do need something to anchor it to, think about the moments when your life shifts.
A pay rise. A new job. A change at home. Life has a habit of shifting, and these moments are natural points to pause and ask: ‘does my future still look the same?’
You don’t need a grand plan. Just staying aware and making small, informed decisions over time can really add up.
Start with something simple
Whether you’re 5, 10 or 15 years from retirement, taking a few minutes to look at your pension can help you feel more in control.
- Log onto MyCitiPension
- Check your current balance
- Check your investments still feel right
A quick check can go a long way – and sometimes it’s not about getting the timing perfect, it’s just about getting started.