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Retirement -

Majority feel ‘in control and organised’ when planning their retirement

Our survey uncovers attitudes towards retirement based on how people plan to spend their time, where they will live and how they will fund their retirement.

Most people would describe themselves as ‘in control and organised’ when planning for their retirement, according to new research from private and commercial bank Arbuthnot Latham.

Asked “Are you ready for retirement?”, respondents answered questions about their attitudes towards retirement based on how they plan to spend their time, where they will live and how they will fund their retirement. Answers pointed to four different attitudes towards retirement. These varied depending on the sort of retirement respondents were looking for and how closely they felt they could achieve this.


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Arbuthnot Latham found that 31% of respondents felt ‘in control and organised’, which means they have made some future life and financial plans and have a good idea of how they will spend their time once they stop working.

Just over 30% of respondents didn’t fit a clear attitude with answers spread over several profiles, showing mixed attitudes towards their life after work in terms of readiness and preparation.

Of the 238 people who responded, 19% expressed a ‘cautiously optimistic’ attitude. These people are less certain about what the future holds and might benefit from spending some time considering their future wants and needs and developing a plan to help them enjoy their retirement when it comes.

Of the remaining respondents, 10% would describe themselves as ‘adventurous and energetic’ and the remaining 10% were ‘open to options’.

Those who identify as ‘adventurous and optimistic’ are planning to live life to the full, enjoying every minute of their retirement, filling their days with new experiences. Those ‘open to options’ may be further away from retirement and as yet have not given their retirement too much thought. Whether seeking adventure or just beginning to consider the future, the earlier you plan the more options you will have when the time comes.

Head of Wealth Planning, Steve Pennington said:

"It is reassuring to see that people feel that they are taking control of their future and putting in plans for their retirement. Of course, feeling in control and actually being in control can be different things, especially as events change. We’d advise anyone to review their retirement and general financial plans on a regular basis to ensure they remain fit for the future.

No two people are the same, everyone has different aspirations as to retirement lifestyle, where they want to live, and how they plan to use, invest, preserve and pass on their wealth.

At Arbuthnot Latham, we use cashflow modelling to build different scenarios, so that clients can visualise their long-term financial needs and options. We can then build a flexible plan to meet their specific objectives.

Are you ready for retirement? Find out here or get in touch with our wealth planning team about your retirement plans.



Arbuthnot Latham surveyed 238 volunteer respondents between 28th January and 10th June 2021.

The five attitudes to retirement:

A: In control and organised

It sounds as though you will be ready for retirement when it comes. You have made some plans and have a good idea of how you will spend your time – and who you will spend it with. To make sure you can make the most of your time in retirement, speak to one of our wealth planners to ensure you are making the most of your finances.

B: Adventurous and energetic

Wow. You are really planning to make the most of your retirement. It sounds like you will be busier in retirement than you are now. To ensure you can enjoy every minute, careful planning and having a timeline for your decisions now will help you live the life you want tomorrow - and make sure you can afford to do everything too! Find out how our wealth planning team can help you.

C: Cautiously optimistic

You might be worried about losing a sense of who you are as you retire, but remember you are more than your job title. Spending some time now to think about the things you want to achieve before and after you retire could help you visualise your future and the things that are most important to you. Your retirement will hopefully last a long time. Make sure you fill it with the things you love. If you would like to discuss your retirement strategy and understand your options, including how to maximise your retirement income, speak to one of our wealth planners today.

D: Open to options

You may not have considered retirement yet, it might still be a way off. However, the earlier you plan, the more choices you will have when the time comes to consider this in more detail. Why not discuss your future with your loved ones to see if you are aligned in terms of plans for life beyond work? You might just surprise yourselves. If you would like to see what your financial future might hold, our cashflow modelling tool lets you build different scenarios to visualise what options you might have. Find out how our wealth planning team can help you.

E: A bit of everything

You carve your own path. Maybe you have some plans in place but want the flexibility to change these over time. Taking control of your financial future now may give you the freedom to explore different options in the future. Our experienced wealth planners can help you look at the various options and help you visualise what your future could hold.


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Take control of your finances today by completing our enquiry form. Alternatively, you can call us on the number below and one of our team will be more than happy to talk about your future.

+44 (0)20 7012 2500

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