Retirement planning: When you're 64

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(Image credit: Moyan Brenn)

At the start of the 20th century, the life expectancy of a male living in England and Wales was 48, whilst women could expect to live until 52. Those who lived longer than average typically worked until the age of 74, so very few people actually drew a pension.

Circumstances are different today. Most of us look forward to a long retirement and have aspirations for it, such as travelling or spending time with our grandchildren.

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