🎓 **10 Years from Retirement? Your Planning Checklist**
Vanguard UK lays out an eight-step checklist for savers roughly a decade from retirement, covering tracking down lost pensions, checking progress against goals, and using carry-forward rules to boost contributions within the £60,000 annual allowance. It cites the UK's 2026-27 auto-enrolment minimum contribution of 8% of salary (5% employee, 3% employer), and shows that raising personal contributions to 7% with a matching employer contribution could add roughly £3,000 a year on a £50,000 salary. The piece also reviews retirement income options — flexible drawdown, lump sums (UFPLS), and annuities — and advises drawing from general investment accounts and taxable savings before ISAs and pensions to preserve tax-advantaged wrappers longest.
[🔗 Read more](/leaving?url=aHR0cHM6Ly93d3cudmFuZ3VhcmRpbnZlc3Rvci5jby51ay9hcnRpY2xlcy9sYXRlc3QtdGhvdWdodHMvcmV0aXJlbWVudC90ZW4teWVhcnMtZnJvbS1yZXRpcmVtZW50LXlvdXItcGxhbm5pbmctY2hlY2tsaXN0)