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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: How much do you need for a happy retirement?
Date: Thu, 29 Aug 2024 09:49:49 +0100
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Join now and combine your old pensions. 
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Log in 
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Hi Robert,



What does a happy retirement look like to you? Whatever your dreams for 
retirement are, it can be difficult to know how much you’ll need.

The Pensions and Lifetime Savings Association (PLSA) developed the 
Retirement Living Standards to help savers picture their retirement 
lifestyle at three different levels.

The standards, ranging from ‘minimum’ to ‘moderate’ and ‘comfortable’, are 
visualised in real terms by using goods and services like groceries, 
transport and clothing.

*	For single people, achieving the minimum lifestyle requires £12,800, for 
couples it’s £19,900 per year.
*	For a moderate lifestyle, a single retiree would need £23,300 and a couple 
would need £34,000 per year.
*	The highest retirement living standard is comfortable for which a single 
person would need £37,300 and couples would need £54,500 per year.

Complete your sign up and start saving for your happy retirement today.


 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=5fbfb87985d94761b26dbd5e1c0a2cee&_e=AyJMYRZJnyJrIHfJZMAW-_Pyr1Pj0UEgizkTgFrT12IziCqJWpBCVQFpN9tG9m_0QIrOT0f-aONEimqz8Qqd2486wVCrxDNZiTg-sRx-2wF91WC1_2scAj-keL0DwM6zmPvqhLLX4w9qFoivjhxepvKs1AnN-HYs7OMrtSv-Om0XW1RvxE3ydnrgk0fPxorU_cOop_nDSMkYdit6s906mvYCtLkbj1-Niu_SdvmqW31aAFvJxpJY7p4DWqlCT8RE7MOF4zQIpHgYu0tkp7C4Nw%3D%3D> 
Complete your sign up



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This month on The Pension Confident Podcast we’re talking about the age-old 
question: can money buy happiness? Join our expert panel as they discuss the 
relationship between money and happiness. Watch on YouTube 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=5fbfb87985d94761b26dbd5e1c0a2cee&_e=AyJMYRZJnyJrIHfJZMAW-z3mo8FvTN1sjr2dbbyyMVCeG3burvRDrx5lPPyz-WBz3rRKFqtIdMaFHtnmRA0tOHpriR6jhOHgzKncTVVNwH8W5B-BhoOsvDgYV-L7AtlLR2iSKKqk5-5HNNnNjLCaTYN1ChlmDzYbKhSXiPrR5X0ctWGm_ESOZ3nXB1LS-MsDCJgyXkpX7zIy4GEa-XNXwbKlv7k1Mogv1hMQi-_PD_3y1pMqqYzNMJNpVJrN2zzB5m8juYsV6eKzjgGzq2gOjQ%3D%3D> 
, read the transcript 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=5fbfb87985d94761b26dbd5e1c0a2cee&_e=AyJMYRZJnyJrIHfJZMAW-_Pyr1Pj0UEgizkTgFrT12IuZDJh9H4etmHJ_mZTubqDBdK6ocn21czrFinGzHo5AlIz0KPSpzI_2KZwuIaaoRXLGHEmm9yuiAJHTlm37HLXe0L6t4H1JCsMAhJBbAV83a35ekN9dl0wNWyTuWyRwwm8NYjFz7E8wuT7vTmMYcLgE20v2QHCqYOsjj8QXgzSCirNSAtIa6CA2gncN0rbwuxDXKaM9mwoeGOj7S9p3iER0GGhyvTkpxyojVg2emHIuh50HSHL1uA7btxFE8996Jw%3D> 
, listen on all major podcast platforms 
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or from the PensionBee app.







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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-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; mso-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: #3a342c; 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 style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;"><span style=3D"box-sizing: border-box; word-break: =
break-word;">Hi Robert,</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">What does a happy retirement =
look like to you? 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: border-box; word-break: =
break-word; font-size: 16px;">The Pensions and Lifetime Savings =
Association (PLSA) developed the Retirement Living Standards to help =
savers picture their retirement lifestyle at three different =
levels.</span><br style=3D"box-sizing: border-box;"><br =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 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 real terms by using =
goods and services like groceries, transport and clothing.</span></p><ul =
style=3D"box-sizing: border-box; line-height: 1.5; mso-line-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: border-box;">minimum =
lifestyle</strong>&nbsp;requires =C2=A312,800, for couples 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-word; font-size: 16px;">For a&nbsp;<strong style=3D"box-sizing: =
border-box;">moderate 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-word; font-size: =
16px;">The highest retirement living standard is&nbsp;<strong =
style=3D"box-sizing: border-box;">comfortable</strong>&nbsp;for which a =
single 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-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">Complete your sign up and =
start saving for your happy retirement =
today.&nbsp;</span></p></div></div></td></tr></table><table =
class=3D"button_block block-2" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
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style=3D"color:#3a342c;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
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style=3D"box-sizing: border-box; background-color: #f9c000; =
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inline-block; font-family: Arial, 'Helvetica Neue', Helvetica, =
sans-serif; font-size: 16px; font-weight: 400; mso-border-alt: none; =
padding-bottom: 5px; padding-top: 5px; text-align: center; =
text-decoration: 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 style=3D"box-sizing: border-box; =
word-break: break-word; line-height: 32px;"><strong style=3D"box-sizing: =
border-box;">Complete your sign up</strong></span></span></a> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr></tab=
le></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" =
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style=3D"box-sizing: border-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-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"25%" 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: =
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border=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 style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box; padding-left: 15px; padding-right: =
25px; padding-top: 10px; width: 100%;" width=3D"100%"><div =
class=3D"alignment" align=3D"center" style=3D"box-sizing: border-box; =
line-height: 10px;"><div style=3D"box-sizing: border-box; max-width: =
110px;"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
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aUWG_35Ax43_2cbi2" target=3D"_blank" style=3D"box-sizing: border-box; =
outline: none;" tabindex=3D"-1"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1692616392/hea=
dshots/pension_confident_podcast.png" style=3D"box-sizing: border-box; =
display: block; height: auto; border: 0; width: 100%;" width=3D"110" =
height=3D"auto"></a></div></div></td></tr></table></td><td =
class=3D"column column-2" width=3D"75%" 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; mso-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: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #3a342c; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; mso-line-height-alt: 22.5px;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
15px;">This month on <strong style=3D"box-sizing: border-box;">The =
Pension Confident Podcast</strong> we=E2=80=99re talking about the =
age-old question: can money buy happiness? Join our expert panel as they =
discuss the relationship between money and happiness. <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
-z3mo8FvTN1sjr2dbbyyMVCeG3burvRDrx5lPPyz-WBz3rRKFqtIdMaFHtnmRA0tOHpriR6jh=
OHgzKncTVVNwH8W5B-BhoOsvDgYV-L7AtlLR2iSKKqk5-5HNNnNjLCaTYN1ChlmDzYbKhSXiP=
rR5X0ctWGm_ESOZ3nXB1LS-MsDCJgyXkpX7zIy4GEa-XNXwbKlv7k1Mogv1hMQi-_PD_3y1pM=
qqYzNMJNpVJrN2zzB5m8juYsV6eKzjgGzq2gOjQ%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: none; color: #24b6b6;" =
rel=3D"noopener">Watch on YouTube</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
-_Pyr1Pj0UEgizkTgFrT12IuZDJh9H4etmHJ_mZTubqDBdK6ocn21czrFinGzHo5AlIz0KPSp=
zI_2KZwuIaaoRXLGHEmm9yuiAJHTlm37HLXe0L6t4H1JCsMAhJBbAV83a35ekN9dl0wNWyTuW=
yRwwm8NYjFz7E8wuT7vTmMYcLgE20v2QHCqYOsjj8QXgzSCirNSAtIa6CA2gncN0rbwuxDXKa=
M9mwoeGOj7S9p3iER0GGhyvTkpxyojVg2emHIuh50HSHL1uA7btxFE8996Jw%3D" =
target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
none; color: #24b6b6;" rel=3D"noopener">read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
-y27QTGvQ_qXuuO83ToUpGsS6E4GV2_7cmKpn0jw2rmaq5QMzZXDnG-05LiJib_dk779OBB7A=
kRK8nAFTkdO29jixG9M9-9K80QfhZKxd1e1SGf5PXQ97wkaomJtgUwIF5YgGKoEMV8soYBH3v=
lqULXclvtr-BI7YI8L09STns6FpLeWJYKXbMwHeYrW6Vw8lDYGznax2H2D6adcQzcCbyPOJS4=
EVkCemTUApMLyRaNXtf7xju6uWIlCsCoZz9Sv1A%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: none; color: #24b6b6;" =
rel=3D"noopener">listen on all major podcast platforms</a> or from the =
PensionBee app.</span> =
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></table><table class=3D"row row-4" align=3D"center" width=3D"100%" =
border=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;"><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" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-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-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-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"html_block block-1" width=3D"100%" =
border=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 style=3D"box-sizing: border-box;"><td class=3D"pad" =
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30px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
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width: 100%;" width=3D"30"></td> </tr> <tr> <td align=3D"center" =
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Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
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font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
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letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
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src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1600088483/ema=
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Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
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chat" data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, =
0);">Launch live chat</span></a></td> </tr> <tr> <td =
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Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color: =
rgb(0, 0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: =
center;" valign=3D"top">Speak to a member of our friendly team now</td> =
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valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> </td> </tr> =
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align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
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style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
</tr> <tr> <td align=3D"center" class=3D"em_p30" style=3D"padding: 30px =
20px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
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align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
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Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D5fbfb87985d94761b26dbd5e1c0a2cee&_e=3DAyJMYRZJnyJrIHfJZMAW=
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uy7K_RKG8t-L0TxzUXFYKThXnTOiT64b7gHMQKfqSH_Ga412E6ILv_kbRLi-Jp0MbWIPW_72w=
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valign=3D"top"><a =
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