17/08/2026
Could leaving your pension on autopilot cost you £160,000?
A recent report has highlighted how a common pension strategy known as “lifestyling” could potentially leave some middle earners significantly worse off in retirement.
Lifestyling is designed to reduce investment risk as you approach retirement, typically by gradually moving your pension away from growth-focused investments.
But there’s a catch.
The strategy was developed when many people used their pension to buy an annuity at retirement. Today, retirement can look very different. Many people remain invested for years - even decades - while drawing an income.
So, is automatically reducing investment risk still the right approach for your retirement? The answer depends entirely on you. Your retirement plans, timescale, other assets, income needs and attitude to risk should all play a part in determining how your pension is invested.
And that’s where independent financial advice really matters.
At Hawkeye Financial, we look beyond the default settings to understand the bigger picture and help you build a retirement strategy around your life, your plans and your future.
Contact us today on 01793 313248 or [email protected]
Because something as important as your retirement shouldn’t simply be left on autopilot.
Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance.
Hawkeye Financial Limited is an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421).