To ask when realistically your will retire?

[fertilitybs]

I mean realistically as in, you have a pension or other provision that is set up and tracking to meet your target.

What age will you be able to give up work and what will you do after?

Also how much is your provision tracking to give you as an income?

I'm early 40s and haven't thought that far ahead yet in terms of when I can retire. Realistically, I think I'll probably end up in part time work when I retire, to top up my pensions. Not sure what type of work, but may need to retrain.

I'm 44 and I have 12 years left until I can retire.

Never - I won't be able to afford to. Just hoping I can do something until I'm late 70's. Most of my father's family die in their 60's of heart attacks though so I may not need to in the end.

55 (dh 60, two years before me). We have provision to be on about half our current income (a bit more once state pension kicks in). The mortgage is paid off and the dc will be a few years post university by then and will have some CTF savings to start them off. We are very very fortunate. We have been pretty sensible and consistent and willing to live frugally when necessary. I do enjoy my work currently so I might carry on working if I am not desperate to retire but we do want a 'year off' to travel together at 55/62.

I officially retired when I was 50. My pension started being paid at 55.
I just work 10 hours a week to have something to do as I'm home alone due to DH working and living abroad.
He is retiring in 3 years time when he can claim his pension.
We're both 57.

I'm in my 30s so hoping for 65, life is expensive!

I think realistically I will retire around 70. I am 35 now. I started my pension when I was 18 but I think I need to put more in per month now so it's actually enough to live on.

It depends on how much they fiddle with the state pension. Like many lower paid people i have faithfully paid 8% of my salary since i was 21 and got any employer too ups but it wont be much to live off without the state pension too. It also depends on housing as i should be able to downsize which should help.
Im just hoping my health holds out so i can work part time for as long as possible.

Im 60. I draw a pension from my first employers. I also work 16 hours a week for another employer. I hope to continue if I stay fit enough until I get the state pension at 67.

60 - 3 and a half years to go. Everything paid off, both DH and I have final salary pensions. Might go earlier but definitely not later. Plan to become a personal trainer for post menopausal women but very part time (as an interest rather than for money).

Realistically, when I die.

My parents are in their 70s, own their own house outright (no mortgage) and my dad still works part time. He would be bored to tears at home all day.

I think I will be the same. I like not working, but I think I would still want to do something that makes me feel useful and like I have a purpose and routine.

I will probably die before I get to retire. I can see myself needing to work until at least 70 - not sure what I will be capable of doing by then though. I hope to be able to retire on the state pension and my combined various private pensions I've accrued over the years, but no way will I be able to stop before I get the state pension. That will be at least 70 before I get there.

Depends I guess on what the state pension age is by then. Currently 67 isn't it, but that is likely to go up. Probably be 75 by the time I'm getting close to that age.

I'll have state pension and a work pension at least, and I'm reasonably fit so hopefully I'll still be able to keep working even when older, although my job isn't straining physically, only mentally.

I'm 51, should be able to retire at 61, DH will be 63. Our pensions are on track for us to live comfortably but I love my job and wouldn't mind carrying on for longer. DH will definitely retire the second he's able to though!

I assume I'll be 67. My work pension always works out for 65 but that's never been my retirement age for state pension. I've got ~30 years to go. I will have a good pension and work in the sort of job where I could keep going if I wanted; I have colleagues who are well over 70.

I don’t want to fully retire, I would melt without something to keep me occupied. Thankfully I’m self employed and can continue to do a bit right until I shuffle off. Which is handy, because my pension will be worth approximately 78p a week.

I haven’t given it much thought: at the moment I’m healthy, really enjoy my career, and actually quite like working. I have a civil service pension and as a rough guess, I’ll probably have built up enough in it to retire reasonably comfortably in my early sixties. But I’m also surrounded by senior colleagues in their late fifties and early sixties who really enjoy what they do and, for some, have only just reached the peak of their career. I can’t imagine wanting to retire in those circumstances. Maybe I’d go part time.

I intend to retire when I qualify for my state pension, which as we know is a moveable feast.

That's assuming health allows me to continue working to that point - it'll be "interesting" to see how the concept of life expectancy increases > retirement increases deals with the discrepancy between death and end of healthy life/disability.

I wonder if we'll see a break in the concept of the state supporting retiring due to age and a move towards stopping work due to disability? Which is depressing.

My occupational pension will kick in a bit earlier so I hope to finish my working life part time.

Yes state pension will be like 75 & nhs probably not free at the point of care. They are already looking at raising free prescriptions age to 65.

I'm 52 and will retire sometime between 55 and 60. If I lose my job, I'm done. If it gets too much (post 55) I'm done. Otherwise I'll keep going until 60 as I enjoy what I do. I won't work past 60 though - I want to travel the world (Covid permitting).

Looking like 65. Realistically I'm likely to have some inheritance before then in which case I'd go a few years earlier.

I'm sure I'll do something with my time, writing, maybe a Masters. Potentially some type of volunteering too. Plus lots of gardening. Essentially, I'll complete the transition into becoming my mother

70ish I think. Dh won't ever retire, like loads of tradesmen he'll work in some capacity til he drops. Still, he's only 43 son some way to go yet.

Two days after my funeral probably!

I have a civil service pension been paying in since 22, so I have options depending on how I feel at the time and circumstances. I’m hoping early 60s. The plan when the kids move out is for me and dh to relocate to our Cornwall coastal apartment. Our current house is mortgage free. I would definitely be happy not to work! I dream of all the things I will fill my days with and working is certainly not one of those things.

I will draw a deferred pension at 60, so will either take early retirement from my current job career around the same time or go part time until 65 or 67, depending on the hit to the second pension.

Only 19.5yrs to go for the first one (and bloody counting!).