How to make a pension last a lifetime: The essential guide to financial success in retirement

Four years ago, the Government brought in a rule change that had dramatic consequences for retirees.

The reforms, known as ‘pension freedoms’, gave savers unprecedented flexibility around how they spend their hard-earned cash in retirement.

But with that freedom comes a huge responsibility to ensure you do not run out of money and end up living on the poverty line in old age.

Your Toolkit for a Golden Future: 4. Learn how to invest your money so it lasts your lifetime by reading Your Retirement Salary by Richard Dyson and Richard Evans (£10.55, amazon.co.uk).