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It’s easy to bury your head in the sand when it comes to funding your retirement. It may seem a very long way off, but if you don’t make plans ahead of time, you could end up stuck with the state pension only.


With high house price inflation, many may be tempted to think that they can release capital to live on when the time comes either by downsizing or releasing equity. The reality is that neither of these options may provide enough cash to fund a comfortable retirement.


Another problem with relying on releasing a cash lump sum later in life, is that the...

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