I would like to achieve further growth in the value of my pension benefits even after retirement

Just as the value of your pension fund will hopefully have grown over the period you (and your employer) were paying into it, you can continue to benefit from investment growth after retirement, but not if you buy a conventional annuity. Flexi-access drawdown allows you to take a pension income while keeping your fund invested. Of course, just as before retirement, there are no guarantees, and there is the risk that in some years your pension fund could  fall in value. There are investment options which do provide some element of guarantee while still providing the opportunity for investment growth, but these will usually have higher charges.

If having the opportunity to achieve further investment growth for a period after retirement is something that you want to have then you should give this option high priority.


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