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File: D:/hMailServer/Data/sarahharvey.com/bob/10/{103261FA-9DE2-44E9-81B3-420BB2ACD964}.eml
To: bob@sarahharvey.com
Message-ID: <1F.C5.18845.8AED0B66@gg.mta3vrest.cc.prd.sparkpost>
Date: Mon, 05 Aug 2024 14:16:08 +0000
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Reply-To: contact@pensionbee.com
Subject: How much do you need for a happy retirement?
From: "PensionBee" <marketing@hello.pensionbee.com>
Feedback-ID: 122762:52597:411:iterable

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Join now and combine your old pensions.=0A=0A=0A=0A=0A=0A=0A=0A <>View in b=
rowser =0A<https://links.pensionbee.com/e/evib=3F_t=3D941fc1872f5648a9becb2=
8376f6c197b&_m=3D9f80fa6425e44ee6a7d8129c95c399de&_e=3D8gEMbDVT0G0nCpCclmH8=
C0A4p7vt8NbyxEXZ0GA1j3tDsg-VGFBY9jOJmUidO5N223gYDIHeUQOCWpqt_uBdZQ%3D%3D>=
=0A=0A=0A <https://www.pensionbee.com/uk/landing-login> =0ALog in <https://=
www.pensionbee.com/uk/landing-login> =0A <https://www.pensionbee.com/uk/lan=
ding-login>=0A=0A=0A=0AHi Robert,=0A=0A=0A=0AWhat does a happy retirement l=
ook like to you=3F Whatever your dreams for =0Aretirement are, it can be di=
fficult to know how much you=E2=80=99ll need.=0A=0AThe Pensions and Lifetim=
e Savings Association (PLSA) developed the Retirement =0ALiving Standards t=
o help savers picture their retirement lifestyle at three =0Adifferent leve=
ls.=0A=0AThe standards, ranging from =E2=80=98minimum=E2=80=99 to =E2=80=98=
moderate=E2=80=99 and =E2=80=98comfortable=E2=80=99, are =0Avisualised in r=
eal terms by using goods and services like groceries, transport =0Aand clot=
hing.=0A=0A * For single people, achieving the minimum lifestyle requires =
=C2=A312,800, for =0Acouples it=E2=80=99s =C2=A319,900 per year. =0A * For =
a moderate lifestyle, a single retiree would need =C2=A323,300 and a couple=
 =0Awould need =C2=A334,000 per year.=0A * The highest retirement living st=
andard is comfortable for which a single =0Aperson would need =C2=A337,300 =
and couples would need =C2=A354,500 per year.=0AComplete your sign up and s=
tart saving for your happy retirement today. =0A=0AComplete your sign up <h=
ttps://www.pensionbee.com/uk/landing-login> =0A=0A=0A=0A=0A=0A=0A=0A020 345=
7 8444 =0AMonday - Friday: 9:30am-5pm =0A=0Acontact@pensionbee.com <mailto:=
contact@pensionbee.com=3Fsubject=3D> =0ASend us an email and we'll get back=
 to you as soon as possible =0A=0ALaunch live chat <https://www.pensionbee.=
com/> =0ASpeak to a member of our friendly team now =0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A =0A<https://www.trustpilot.com/review/pensionbee.com=3Futm_medium=
=3DTrustbox&utm_source=3DEmailSignature2>=0A =0A<https://www.trustpilot.com=
/review/pensionbee.com=3Futm_medium=3DTrustbox&utm_source=3DEmailSignature2=
>=0A=0A=0A=0A=0A=0A <https://www.facebook.com/PensionBee>  <https://www.thr=
eads.net/@pensionbee>  =0A<https://www.tiktok.com/@pensionbee>  <https://tw=
itter.com/pensionbee>  =0A<https://www.linkedin.com/company/9397223>  =0A<h=
ttps://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA>  =0A<https://www.i=
nstagram.com/pensionbee/>  <https://www.pensionbee.com/podcast> =0AIf you d=
o not wish to receive any marketing emails,=0Aplease click here to Unsubscr=
ibe =0A<https://links.pensionbee.com/e/encryptedUnsubscribe=3F_r=3D941fc187=
2f5648a9becb28376f6c197b&_s=3D9f80fa6425e44ee6a7d8129c95c399de&_t=3D8gEMbDV=
T0G0nCpCclmH8C0A4p7vt8NbyxEXZ0GA1j3tDsg-VGFBY9jOJmUidO5N20zappnwoWW2RziXEFL=
MhaRt3Db3BYhBVKPOMtspZ0lAaGbzIrjQxXq50TnjEFU6KuDLHpobk12V_r3VOfIMs3sOB68mbw=
XLTVwY678-nfjbCtBk1brB-yjgkYTwBmeNo>=0A. =0AThis email was sent by: Pension=
Bee Limited=0A209 Blackfriars Road, London, SE1 8NL, United Kingdom=0A=0APe=
nsionBee is authorised and regulated by the Financial Conduct Authority =0A=
(FRN: 744931) and registered in England and Wales (Companies Registration N=
o. =0A9354862).
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#FFFFFF; font-weight:300;" valign=3D"middle"> <a data-linkto=3D"https://" h=
ref=3D"https://links.pensionbee.com/u/click=3F_t=3D941fc1872f5648a9becb2837=
6f6c197b&_m=3D9f80fa6425e44ee6a7d8129c95c399de&_e=3DjKu7jMQPHpCBZa5dwSZPOL7=
horhGosqWPxUmSaIllWa38emIDcwWtm6ChitWW9eZpoR1Ey12ZphRPATv3OUxNl2WNJL_psZZIN=
EXEa2q__XRtY5ZU_gVVM5IdD8gz52L99vJAdTUYWsgumSqSOFeuIRT7MyIM1ud7C9gHE_d-LNhx=
R8sHauDAoM0wiKhYIBFJVMTVTYVk3OZ1hB739VvHnPumUMa0pfd982fVeiDMqxRPZQT8_T87aP6=
DUAB77HN46hreINDs8Ftd7Cm7j1a9g%3D%3D" style=3D"color:#FFFFFF;text-decoratio=
n:none; display:block; line-height:42px;" target=3D"_blank" title=3D"">Log =
in</a> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table></div>=
</td></tr></table><table class=3D"image_block block-2" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: 0;"><tr styl=
e=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: border=
-box; width: 100%;" width=3D"100%"><div class=3D"alignment" align=3D"center=
" style=3D"box-sizing: border-box; line-height: 10px;"><div class=3D"fullWi=
dth" style=3D"box-sizing: border-box; max-width: 600px;"><a href=3D"https:/=
/links.pensionbee.com/u/click=3F_t=3D941fc1872f5648a9becb28376f6c197b&_m=3D=
9f80fa6425e44ee6a7d8129c95c399de&_e=3DjKu7jMQPHpCBZa5dwSZPOL7horhGosqWPxUmS=
aIllWa38emIDcwWtm6ChitWW9eZpoR1Ey12ZphRPATv3OUxNl2WNJL_psZZINEXEa2q__VE81_Q=
QFclGPnIBmnkDptyakkrVSDngDv95uToUR2ogSaxQxeu-tRMsrS9jDLnAv2K9o6EoGKZnrXW6MG=
v4Z2-A_yoQBVKEt3Y0mb-EZP_X2FnPFNV6RsjMVZ7EvzA6aeaIhsZ3dYSza38HjMGKSBYnq3tSJ=
-nD2eubQPnH51NZg%3D%3D" target=3D"_blank" style=3D"box-sizing: border-box; =
outline: none;" tabindex=3D"-1"><img src=3D"https://res.cloudinary.com/pens=
ionbee/image/upload/v1684831201/emails/New%20template/Email_banner_-_How_mu=
ch_do_you_need_for_a_happy_retirement_.jpg" style=3D"box-sizing: border-box=
; display: block; height: auto; border: 0; width: 100%;" width=3D"600" alt=
=3D"Image" title=3D"Image" height=3D"auto"></a></div></div></td></tr></tabl=
e></td></tr></tbody></table></td></tr></tbody></table><table class=3D"row r=
ow-2" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; mso-tabl=
e-lspace: 0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"=
><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: border-box;=
"><table class=3D"row-content stack" align=3D"center" border=3D"0" cellpadd=
ing=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: bord=
er-box; mso-table-lspace: 0; mso-table-rspace: 0; border-radius: 0; color: =
#000; width: 600px; margin: 0 auto;" width=3D"600"><tbody style=3D"box-sizi=
ng: border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column =
column-1" width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace:=
 0; mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom=
: 5px; padding-top: 5px; vertical-align: top; border-top: 0; border-right: =
0; border-bottom: 0; border-left: 0;" align=3D"left" valign=3D"top"><table =
class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10"=
 cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; m=
so-table-lspace: 0; mso-table-rspace: 0; word-break: break-word;"><tr style=
=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: border-=
box;"><div style=3D"box-sizing: border-box; font-family: sans-serif;"><div =
class style=3D"box-sizing: border-box; font-size: 12px; font-family: Arial,=
'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 18px; color: #3=
a342c; line-height: 1.5;"><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 16px; mso-line-height-alt: 24px;"><span styl=
e=3D"box-sizing: border-box; word-break: break-word; font-size: 16px;"><spa=
n style=3D"box-sizing: border-box; word-break: break-word;">Hi Robert,</spa=
n></span></p><p style=3D"box-sizing: border-box; line-height: inherit; marg=
in: 0; font-size: 16px; mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"b=
ox-sizing: border-box; line-height: inherit; margin: 0; font-size: 16px; ms=
o-line-height-alt: 24px;"> <span style=3D"box-sizing: border-box; word-brea=
k: break-word; font-size: 16px;">What does a happy retirement look like to =
you=3F Whatever your dreams for retirement are, it can be difficult to know=
 how much you=E2=80=99ll need.&nbsp;</span><br style=3D"box-sizing: border-=
box;"><br style=3D"box-sizing: border-box;"><span style=3D"box-sizing: bord=
er-box; word-break: break-word; font-size: 16px;">The Pensions and Lifetime=
 Savings Association (PLSA) developed the Retirement Living Standards to he=
lp savers picture their retirement lifestyle at three different levels.</sp=
an><br style=3D"box-sizing: border-box;"><br style=3D"box-sizing: border-bo=
x;"> <span style=3D"box-sizing: border-box; word-break: break-word; font-si=
ze: 16px;">The standards, ranging from =E2=80=98minimum=E2=80=99 to =E2=80=
=98moderate=E2=80=99 and =E2=80=98comfortable=E2=80=99, are visualised in r=
eal terms by using goods and services like groceries, transport and clothin=
g.</span></p><ul style=3D"box-sizing: border-box; line-height: 1.5; mso-lin=
e-height-alt: 24px; font-size: 14px;"><li style=3D"box-sizing: border-box;"=
><span style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">For single people, achieving the&nbsp;<strong style=3D"box-sizing: b=
order-box;">minimum lifestyle</strong>&nbsp;requires =C2=A312,800, for coup=
les it=E2=80=99s =C2=A319,900 per year.</span> </li><li style=3D"box-sizing=
: border-box;"><span style=3D"box-sizing: border-box; word-break: break-wor=
d; font-size: 16px;">For a&nbsp;<strong style=3D"box-sizing: border-box;">m=
oderate lifestyle</strong>, a single retiree would need =C2=A323,300 and a =
couple would need =C2=A334,000 per year.</span></li><li style=3D"box-sizing=
: border-box;"><span style=3D"box-sizing: border-box; word-break: break-wor=
d; font-size: 16px;">The highest retirement living standard is&nbsp;<strong=
 style=3D"box-sizing: border-box;">comfortable</strong>&nbsp;for which a si=
ngle person would need =C2=A337,300 and couples would need =C2=A354,500 per=
 year.&nbsp;</span></li></ul><p style=3D"box-sizing: border-box; line-heigh=
t: inherit; margin: 0; font-size: 16px; mso-line-height-alt: 24px;"><span s=
tyle=3D"box-sizing: border-box; word-break: break-word; font-size: 16px;">C=
omplete your sign up and start saving for your happy retirement today.&nbsp=
;</span></p></div></div></td></tr></table><table class=3D"button_block bloc=
k-2" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=
=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: 0; mso=
-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" align=3D"center"=
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:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:wor=
d" href=3D"https://links.pensionbee.com/u/click=3F_t=3D941fc1872f5648a9becb=
28376f6c197b&_m=3D9f80fa6425e44ee6a7d8129c95c399de&_e=3DjKu7jMQPHpCBZa5dwSZ=
POL7horhGosqWPxUmSaIllWa38emIDcwWtm6ChitWW9eZpoR1Ey12ZphRPATv3OUxNl2WNJL_ps=
ZZINEXEa2q__U_HU-fXp71RKcGy3ruHE7ko2Du-QMoJEXj3VZgPxA0UobjJCpS05nuyFAawsjzp=
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-cwDsRZwkc4ufuk5Ancq6tl8g0HI6SnF7g%3D%3D" style=3D"height:42px;width:213px;=
v-text-anchor:middle;" arcsize=3D"10%" stroke=3D"false" fillcolor=3D"#f9c00=
0"> <w:anchorlock/> <v:textbox inset=3D"0px,0px,0px,0px"> <center dir=3D"fa=
lse" style=3D"color:#000000;font-family:Arial, sans-serif;font-size:16px"><=
![endif]--> <a href=3D"https://links.pensionbee.com/u/click=3F_t=3D941fc187=
2f5648a9becb28376f6c197b&_m=3D9f80fa6425e44ee6a7d8129c95c399de&_e=3DjKu7jMQ=
PHpCBZa5dwSZPOL7horhGosqWPxUmSaIllWa38emIDcwWtm6ChitWW9eZpoR1Ey12ZphRPATv3O=
UxNl2WNJL_psZZINEXEa2q__UDA-S5o5FxSGha3fqRH4MRu6KYEKirMtOT4rAPWE4VJ7EbJjo0l=
_jlVb6ENZJL2uFxG9yLdJpJAL0ic9IF7j0uCpUKRnoVLRHZwicHOojSyaJFFX6XFAXVS19rC3Vg=
kYFi8oUA-wwRgeZVs1VzdL4w4YrbSVKIseQ3LRpSH5s2ow%3D%3D" target=3D"_blank" sty=
le=3D"box-sizing: border-box; background-color: #f9c000; border-bottom: 0px=
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 border-right: 0px solid transparent; border-top: 0px solid transparent; co=
lor: #000000; display: inline-block; font-family: Arial, 'Helvetica Neue', =
Helvetica, sans-serif; font-size: 16px; font-weight: 400; mso-border-alt: n=
one; padding-bottom: 5px; padding-top: 5px; text-align: center; text-decora=
tion: none; width: auto; word-break: keep-all;"><span style=3D"box-sizing: =
border-box; word-break: break-word; padding-left: 20px; padding-right: 20px=
; font-size: 16px; display: inline-block; letter-spacing: normal;"><span st=
yle=3D"box-sizing: border-box; word-break: break-word; line-height: 32px;">=
<strong style=3D"box-sizing: border-box;">Complete your sign up</strong></s=
pan></span></a> <!--[if mso]></center></v:textbox></v:roundrect><![endif]--=
></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tabl=
e><table class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizin=
g: border-box; mso-table-lspace: 0; mso-table-rspace: 0;"><tbody style=3D"b=
ox-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"=
box-sizing: border-box;"><table class=3D"row-content stack" align=3D"center=
" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" st=
yle=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: 0; bo=
rder-radius: 0; color: #000; width: 600px; margin: 0 auto;" width=3D"600"><=
tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box=
;"><td class=3D"column column-1" width=3D"100%" style=3D"box-sizing: border=
-box; mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-alig=
n: left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; border=
-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" align=3D"left"=
 valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"b=
ox-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: 0;"><tr style=
=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: border-=
box;"><div style=3D"box-sizing: border-box; font-family: Arial,'Helvetica N=
eue',Helvetica,sans-serif; text-align: center;" align=3D"center"><table ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_=
wrapper" style=3D"width: 600px;" width=3D"600"> <tbody> <tr> <td align=3D"c=
enter" class=3D"em_p3" style=3D"padding: 15px 70px;" valign=3D"top"> <table=
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"100%"> <tbody> <tr> <td valign=3D"top"> <table align=3D"left" border=3D"0"=
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ble align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
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gn=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: 31px;" valign=
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nsionbee/image/upload/v1594306518/emails/New%20template/Telephone.png" styl=
e=3D"display: block; max-width: 30px; font-family: Arial, sans-serif; font-=
size: 15px; line-height: 18px; color: #000000; padding: 0px; text-align: ce=
nter; height: auto; width: 100%;" width=3D"30"></td> </tr> <tr> <td align=
=3D"center" class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family=
: 'Open Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color=
: #000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> </tr>=
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" valign=3D"top">Monday - Friday: 9:30am-5pm</td> </tr> </tbody> </table> <=
table align=3D"right" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" clas=
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ign=3D"center" class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;=
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nary.com/pensionbee/image/upload/v1594306518/emails/New%20template/email.pn=
g" style=3D"display: block; max-width: 34px; font-family: Arial, sans-serif=
; font-size: 15px; line-height: 18px; color: #000000; padding: 0px; height:=
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class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open Sans=
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om/pensionbee/image/upload/v1600088483/emails/New%20template/Chat.png" styl=
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size: 15px; line-height: 18px; color: #000000; padding: 0px; height: auto; =
width: 100%; text-align: center;" width=3D"28"></td> </tr> <tr> <td align=
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: 'Open Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color=
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onbee.com/u/click=3F_t=3D941fc1872f5648a9becb28376f6c197b&_m=3D9f80fa6425e4=
4ee6a7d8129c95c399de&_e=3DjKu7jMQPHpCBZa5dwSZPOL7horhGosqWPxUmSaIllWYWTwYWH=
4wJoZF2ybj8IPsCgkQMwG_9u0xXbbkBMzRvfVo3fBGQPy0GQbPV6I1kl1_MBLdSk8SxBKGzoO0v=
ptoOUUD1eescc6uvUjGgkY9R7tANjlRiMVjUzoBeQV3EYB24ika7hvkkDB54MsFwk_JQx7QH-g1=
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coration: none;" title=3D"Launch live chat" data-linkto=3D"https://"><span =
style=3D"color: rgb(0, 0, 0);">Launch live chat</span></a></td> </tr> <tr> =
<td class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family: 'Open=
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, 0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: center;" vali=
gn=3D"top">Speak to a member of our friendly team now</td> </tr> </tbody> <=
/table> </td> </tr> <tr> <td valign=3D"top"><br>&nbsp;</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"center" border=3D"0"=
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00px;" width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> <ta=
ble align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" style=3D"heig=
ht: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> </tr> <tr> <td ali=
gn=3D"center" class=3D"em_p30" style=3D"padding: 30px 20px;" valign=3D"top"=
> <table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
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<tr> <td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, A=
rial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; col=
or: #aaa; text-decoration: none;"><a href=3D"https://links.pensionbee.com/u=
/click=3F_t=3D941fc1872f5648a9becb28376f6c197b&_m=3D9f80fa6425e44ee6a7d8129=
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er: none;" width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;=
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ble align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tbo=
dy> <tr></tr> <tr> <td align=3D"center" valign=3D"top"><a href=3D"https://l=
inks.pensionbee.com/u/click=3F_t=3D941fc1872f5648a9becb28376f6c197b&_m=3D9f=
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op"><a href=3D"https://links.pensionbee.com/u/click=3F_t=3D941fc1872f5648a9=
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1" style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" val=
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w1" style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" va=
lign=3D"top"><a href=3D"https://links.pensionbee.com/u/click=3F_t=3D941fc18=
72f5648a9becb28376f6c197b&_m=3D9f80fa6425e44ee6a7d8129c95c399de&_e=3DjKu7jM=
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