Annuity plans don’t promise high returns, but they do offer something many retirees value more, a predictable income that doesn’t depend on markets.

Thousands of savers could be forced to wait an extra two years to access their pensions after giving up a valuable perk without realising it, pensions experts have warned.

Retirement planning is a critical financial decision, and choosing the right scheme is the key to a secure future. With evolving policies in 2025, the choice between NPS and UPS has become more ...