A behavioural benchmark of how UK consumers are modelling retirement drawdown, compared against official market reference points.
This page publishes a continuously updated view of how UK consumers are planning retirement drawdown during 2025.
It combines aggregated, anonymised behaviour from across the TFE ecosystem with official and institutional benchmarks, including FCA retirement income market data and UK Government publications.
Interpretation guidanceTreat this dataset as a behavioural overlay on top of official statistics.
It is most useful for identifying direction, pressure, and segmentation, not population totals or market share.
‣
1) What this measures
‣
2) Key signals (Jan 2025 – Sep 2025)
‣
3) Market context (why 2025 matters)
‣
4) Pot size & retirement readiness
‣
5) Inflation assumptions and realism
‣
6) Drawdown purpose and behavioural segmentation
‣
7) Lump sum behaviour
‣
8) Evidence base and external benchmarks
‣
9) FCA retirement access market data
‣
10) Methodology (Summary)
‣
11) Notes and limitations
‣