{"podcast":{"title":"On The Money","slug":"on-the-money-778652","podcast_index_feed_id":778652,"rss_url":"https://feeds.transistor.fm/interactive-investor","website_url":"https://www.ii.co.uk/","image_url":"https://img.transistorcdn.com/xpu1XQgcyvP4bL181q4UOKe9_GZfvexK2TZ66NbKCrk/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNDY5/NzMyNjIxMzYxOGU4/ZWVkOGM0NDUxYTA1/ODQ5OC5wbmc.jpg","author":"interactive investor","episode_count":426,"summary":"Every week, Kyle Caldwell and guests take a look at how the biggest stories and emerging trends could affect your investments, with practical tips and ideas to help you navigate your way through. Join the conversation, tell us what you want us to talk about or send us a question to OTM@ii.co.uk. Visit www.ii.co.uk for more investment insight and ideas.","last_synced_at":"2026-06-25T12:21:08.252880+00:00","page_url":"https://stenobird.com/podcast/on-the-money-778652"},"episode":{"title":"Seven pension tips to get you retirement ready","slug":"seven-pension-tips-to-get-you-retirement-ready","published_at":"2026-01-29T02:00:00+00:00","page_url":"https://stenobird.com/podcast/on-the-money-778652/seven-pension-tips-to-get-you-retirement-ready","show_page_url":"https://stenobird.com/podcast/on-the-money-778652","url":"https://share.transistor.fm/s/0a386528","audio_url":"https://media.transistor.fm/0a386528/9352e04b.mp3","summary":"What are the main items to put on your to-do list in the latter stages of saving and investing for retirement? To tackle this topic Kyle is joined by Craig Rickman, personal finance editor at interactive investor. Craig shares seven key considerations to bring your retirement plans into sharper focus. In the episode, Kyle and Craig discuss the following: Firming up your pension plans (00:59) The merits of consolidating pensions (04:53) ISAs, the state pension, and boosting pensions in the run-up to retirement (06:51) Keeping money invested, buying an annuity, or doing both? (13:58) Reducing risk (or not) in the run-up to retirement and ideas for building a defensive buffer (18:09) ‘Bucket’ strategies of multiple portfolios for different time frames (25:14) The 25% pension tax-free lump sum: take it all at once or in stages? (26:13) On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news . Important information: This material is intended for educational purposes only and is not investment research or a personal recommendation to buy or sell any financial instrument or product, or to adopt any investment strategy. The value of your investments can rise as well as fall, and you could get back less than you invested. Past performance is not a guide to future performance. The investments referred to may not be suitable for all investors, and if in doubt, you should seek advice from a qualified investment adviser. SIPPs are aimed at people happy to make their own investment decisions. Investment value can go up or down and you could get back less than you invest. You can normally only access the money from age 55 (57 from 2028). We recommend seeking advice from a suitably qualified financial adviser befor…","meta_description":"What are the main items to put on your to-do list in the latter stages of saving and investing for retirement? To tackle this topic Kyle is joined by Crai…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1763,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/on-the-money-778652/episodes/seven-pension-tips-to-get-you-retirement-ready/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/on-the-money-778652/seven-pension-tips-to-get-you-retirement-ready.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}