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How to Supplement Your Retirement

Article by Ben Barlow

tips for earning extra income in retirement

 Back in 2013, banking giant HSBC conducted a global study which highlighted the challenges facing those approaching retirement in the modern age. Canvassing the financials of more 15,000 customers across 15 global markets, the study revealed that citizens in the vast majority of developed economies were failing to save sufficient funds to cover the cost of their retirement.

Little has changed during the last three years, with the macroeconomic climate making it extremely difficult for people to save. From artificially low, base interest rates to rising inflation and widespread volatility, hard working members of society can no longer rely on traditional banks or investment vehicles to safeguard their futures.

How to Supplement Your Retirement and Safeguard Your Future

Instead, those approaching retirement (or those that wish to start saving for their future when they are young) must adopt a proactive approach and seek out alternative methods of supplementing their retirement. Here are some ideas to help you on your way: –

  1. Invest in a Stocks and Shares ISA

While traditional ISA accounts are no longer as popular as they once were, this is a financial product that has evolved to create new and more exciting opportunities for savers. Take the concept of a stocks and shares ISA, for example, which leverages domestic and international stocks to optimise your rate of return. Not only is this a flexible and potentially lucrative investment vehicle in the modern age, but it is also one that will not require you to pay capital gains tax on any profit that you make.

Such an account even allows you to make withdraws without forewarning, although this is probably not advisable if you are aiming to save for your future.

    2. Reinvent Yourself as a Freelancer or a Consultant

At the turn of the century, public sector workers in the UK would often respond to retirement by leaving their permanent posts and returning months later as independent contractors. This enabled them to continue working for a higher rate, without having their longevity as an employee decided by age alone.

This practice was commonplace among employees with an in-demand and marketable skill (such as engineers), and there is nothing to stop individuals from continuing to work in such a capacity after they have retired from a full-time position. Whether you reinvent yourself as a freelancer or look to work part-time as a self-employed consultant, there is ample opportunity to build new income streams after you have retired.

    3. Become a Blogger

Alternatively, you may decide to create new income streams from the comfort of your own home, as you look to enjoy the type of positive work-balance that those in retirement often crave. To achieve this, you should consider launching a blog, build a basic website from automated templates before creating content and sharing this with real-world readers.

As your blog builds an audience and readership, you can then look to scale it and monetise individual pages. You can do this by selling advertising space on your site, as well as allowing guest posters to publish content for an agreed fee. It may also be possible for affiliates to sell on your website in exchange for basic commission, although this will depend on the exact nature of your site.

The key is to build your blog and audience over time, scaling it to the point where there is the type of demand and interest that drives monetisation.


 Note: It is advisable to take independent professional advice prior to making financial investments.




Ceri Wheeldon

Ceri is Founder and Editor of Fabafterfifty.co.uk She is a frequent speaker at events and in the media on topics related to women over 50 , including style and living agelessly. With 20+ years experience as a headhunter Ceri also now helps support those looking to extend their working lives.

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