Managing Your Investments and Estate for Retirement

Retiring can be a tricky business, especially if you have not properly planned ahead, and for those who are self-employed, every little helps in terms of income. That is why managing your investment returns properly, and ensuring you have looked after your estate through careful estate planning, is essential in securing peace of mind. Here is a short guide on managing these for retirement.


If you have been investing your money in something like global markets, you will know that any investment can be subject to uncertainty and change, and you can lose as well as gain money. If running your own business, you may want to look at pensions which you can invest in that will best suit your and your family’s personal retirement needs, like a SIPP.

If you are relying solely on investment returns, make sure you are aware of the risks of the market you have invested in, and whether it suits your long term financial goals for retirement. You must also ensure that your investments will beat inflation, and it could be worth diversifying to reduce overall risk.

Passing it On

You will no doubt want to plan ahead for those who you want to inherit your estate. With luck, you will have saved a nice sum through investments and careful, which will need to be looked after until you pass it on.

Your beneficiaries may have to pay inheritance tax (depending on the value of your estate), and the amount and conditions of this could change, depending on future government policies. In light of this, it might be worth looking to a company like Tilney to help you out with passing on your estate as efficiently as possible. If you are a veteran, there may be other rules and regulations for you to go by, so if this is the case, you may want to speak with a trusted advisor on how this will affect your inheritance tax, as well as check out this article here to see if there is anything that you need to be aware of before you set a plan out.


Seeking help from a professional can often be of great benefit when thinking about investments and inheritance, especially in relation to retirement. Sorting these complicated matters out now is likely to save you time and money in the long run, and give you peace of mind when you retire.

If you don’t want to spend money on an adviser, there is plenty of free information on the internet which can explain the technicalities of managing investments and estates, and the different options available to you for retirement.

Careful thought and consideration is essential when reviewing your finances after work life. With a variety of pension schemes to choose from, each with their own benefits and drawbacks, make sure you know exactly how much your life plans after retirement will cost. Use this as a basis for managing and maximising your investment returns, and ensure you make passing it on after death as financially efficient as possible.