Planning for retirement

Fidelity research has shown that people with a plan for retirement feel significantly more prepared socially, emotionally and financially.

We’re helping every member make a lifetime of smart financial choices through a combination of personalised planning, expert support and investment solutions.

Our approach helps members turn engagement into action so they can retire with confidence. Discover more about Plan for Life and Fidelity financial coaching.

Longevity

35% of people in the UK aged 50+ are underprepared for retirement by 10 years or more vs average life expectancy *

Decision support

56% of pension withdrawals had no consideration of tax implications from 2020 - 2024 **

Engagement

Fidelity members with high engagement have 5x more savings than those who don’t engage at all ***

* National Innovation Centre for Ageing, Opinium, October 2025
** FCA financial lives survey, 2024
***Fidelity International, 2024

Plan for Life is our new retirement planning experience that helps members understand their projected pension pot and whether they’re on track for the lifestyle they want in retirement.

Personalised planning

Available on PlanViewer, Plan for Life uses real-time data from member accounts, as well as data from other investments, to create a bespoke plan that can be put into action.

What if scenarios

They can model different behaviours to see how increasing contributions will impact estimated income. Or see if changing their retirement age will afford them the lifestyle they want while keeping on track.

Real-time insights

Each plan is saved in PlanViewer, so members can tweak their plans as and when their own personal goals and circumstances change.

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This website is issued by FIL Life Insurance Limited. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales No. 3406905, Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP. Fidelity, Fidelity International, the Fidelity International logo and the F symbol are trademarks of FIL Limited.