People are living longer, healthier lives, and many retirees need a pension income to help provide the kind of lifestyle they want to enjoy for longer than they may have planned for.
In the past, retirement savings were traded for lifetime annuities or converted into safe, income-paying bond investments.
But now, many retirees are relying less on state pensions and are supplementing their income in a variety of ways such as keeping a portion of their pension wealth in a range of different investments to support a long and active retirement and to help pay for unexpected costs or any healthcare support they may need in the future.
Investing as a pensioner is different to investing as a person who is still saving for life after work. In retirement, the focus is usually on protecting capital, as well as helping it to grow while receiving an income that is aligned with the retirees needs.
Investing through your retirement can play a valuable role in boosting your pension income.
Before making any investment decisions you might want to ask yourself:
If you feel new to investing, rest assured that learning the basics at any age will support better financial decisions and give you more control over your future.
As your retirement progresses, you will have changing needs and priorities. Your investment plan should reflect both today’s needs and your expectations for the future. You should also consider keeping a cash buffer of 3-6 months expenses for life’s unexpected surprises.
Your priorities might include:
Inflation and the rising cost of living can erode the value of your money over time, so many retirees use other, diversified* investments with the potential to help preserve the value of their money. Always speak to a financial advisor to get the best advice tailored to your needs.
Taking money from your pension the way that suits you best can help to keep you secure. Some financial advisors suggest only withdrawing 4% of your investments each year in an attempt to help protect against depleting your savings over a long retirement but each of us have different needs so do not hesitate to get advice to find out what could work for you1.
Good investing habits don’t end with retirement. When you’re in retirement, it still makes great sense to:
A long-term retirement investment strategy is built on balance, diversification* and regular reviews. To identify the optimal mix for your personal goals, timeline and risk tolerance you should seek personalised professional advice from a financial advisor.
Explore how you could potentially diversify* your retirement portfolio here
You have the choice when it comes to the “where”. Our range of funds are available from your local bank, broker or financial advisor.
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Discover more throughout our website or consult your local advisor.
*Diversification does not guarantee a profit or protect against a loss.
Sources:
1https://moneyweek.com/personal-finance/4-per-cent-pension-rule
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 5 March 2026. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 5 March 2026
Doc ID: 5259809
