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Flexible Retirement: Is It for You in 2025?

Options for a flexible retirement plan include pensions, savings, investments, part-time work, and potentially equity release, tailored to provide income and financial security.
Flexible Retirement
What Are My Options for a Flexible Retirement Plan? Did You Know 2-3rds of People Have Opted for a Flexible Retirement in 2025? Find Out More about How It Works, Why It's Becoming Increasingly Popular, and If It's a Good Idea for You. All Right Here!
This article contains tops tips from our experts, backed by in-depth research.
Katherine Read
Written by Katherine Read
Bert Hofhuis
Edited by Bert Hofhuis
Paul Sawyer
Reviewed by Paul Sawyer

Contributors:

Francis Hui
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Key Takeaways
  • A flexible retirement plan allows for choice in how and when you retire, providing options like phased or partial retirement, which can be adjusted as your needs change.
  • You can plan for a one in the UK by considering several factors, including your financial situation, health, lifestyle, and desires, alongside consulting with financial advisors and exploring options like equity release.
  • The benefits include potentially higher post-retirement income, more leisure time, reduced stress, the ability to continue working if desired, and the chance to adjust retirement plans as circumstances change.
  • Equity release works by providing a lump sum or regular payments that can be used for living expenses, thus extending your retirement savings and facilitating a phased or gradual retirement.
  • You can use equity release as it provides additional funds that can be used to cover living expenses, medical costs, or to enhance your lifestyle during retirement.

The future of retirement is looking brighter, as more and more people are planning for flexible retirement.

Many people are realising that they don't want to be stuck in the same job for 30 years just because it's what society expects of them, and instead prefer to enjoy their retirement however they want.

Retirement doesn't always mean the end of a career.

More and more people are planning a flexible retirement with some sort of work or volunteer activity they enjoy.

In This Article, You Will Discover:

    In this post, we will discuss the growing trend in flexible retirement and how it can help you make sure your golden years are not only enjoyable but also financially secure.

    What Is a Flexible Retirement?

    Flexible retirement1refers to an arrangement where individuals have the option to gradually reduce their working hours or transition into retirement in a phased manner, rather than making an abrupt shift from full-time work to complete retirement.

    This approach allows individuals to maintain a level of professional engagement while enjoying more leisure time and flexibility in their schedules.

    Who Offers a Flexible Retirement?

    Flexible retirement has been made possible by more and more companies offering phased-retirement2 options.

    Flexible Retirement Statistics

    According to the Standard Life Aberdeen3 2025 research here are some statistics:

    • 56% of this year's retirees want to take a phased or flexible approach to retirement.
    • 27%, which is nearly 1 out of every 4 people looking forward to what's next with retirement plans, don't seem intent on giving up working completely. Most intend only a shift towards more flexible hours.
    • 19% would like to help other organisations by volunteering while the majority are happy working for someone else, 6% wish they could be in charge and want to start their own business.

    Working Retirees in 2025

    It was discovered that 34% UK citizens continued working in some capacity, while 21% are considering returning to work part-time after previously leaving their positions.

    Some people felt it would be beneficial for them to find a job with flexible hours. Only 2% of those who retired last year are considering going back to work full time.

    The days of everyone having a specific date or age beyond which they will never work again are long gone.

    Instead, there is a noticeable rise in the number of people opting for flexi-retirement and continuing to work.

    Whether it's a financial or emotional decision, how you retire will entirely depend on what's best for you.

    COVID-19's Impact

    It's clear that the pandemic4 has fuelled a new trend in retirement.

    Retiring as soon as possible is now an understandable decision,

    But some of last year's retirees are having second thoughts about returning to work after being stuck at home during lockdown for so long.

    Many people view retirement as a time to enjoy themselves, and with constraints gradually being lifted, many will prepare for the retirement they had envisioned.

    Whether that is traveling the world or spending more time with family members or even continuing to work part time, there are no limits on what you can do in your golden years.

    Common Questions

    What Age Can You Take Flexi Retirement?

    What Is a Flexible Retirement Plan?

    How Can I Plan for a Flexible Retirement in the UK?

    What Are the Benefits of a Flexible Retirement?

    How Does Equity Release Work with a Flexible Retirement?

    Can I Use Equity Release for a Flexible Retirement?

    In Conclusion

    There are many reasons to plan for flexible retirement.

    With more people planning on retiring later in life, the potential is there to work longer and save more money.

    If you’re feeling unsure about how you can afford an enjoyable retirement,

    Be sure to seek expert advice from financial professionals who have helped their clients achieve success during this time of uncertainty with flexible retirement.

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