How Hybrid Working is Changing Retirement Planning in the UK
- Alex Shairp
- Dec 15, 2025
- 2 min read
Higher productivity. Better quality of life. Greater satisfaction. These are just some of the benefits of hybrid working. But did you know it could also support your retirement journey?
Hybrid working has become increasingly popular since the pandemic. In fact, 28% of British adults worked both in the office and at home during the first quarter of 2025. Employees aged 30-49 are the most likely to embrace hybrid work, followed closely by those aged 50-60 (according to ONS data).
BENEFITS OF HYBRID WORKING FOR RETIREMENT
Hybrid working isn't just good for your wellbeing. It can help you transition smoothly into retirement. By reducing office time gradually, you can ease into a new lifestyle without the shock of stopping work completely.
TAKE A PHASED APPROACH
A global survey (by WTW) found that 49% of workers aged 50 or older have either started phasing into retirement or want to do so. Of those who have begun, 75% have reduced their work hours.
Gradually easing into retirement (such as working one to three days a week for a few years after age 66) can boost your pension pot by tens of thousands of pounds, according to recent data from Standard Life.
Your ability to reduce hours of continue working beyond retirement age will depend on your job, industry, and personal circumstances.
EXPLORE YOUR OPTIONS
If staying in your current role doesn't appeal, there are other ways to transition:
Apply for a part-time job
Turn a hobby into a business
Volunteer your time to support others.
The choices are endless, and the choice is yours.
WHY FINANCIAL ADVICE MATTERS
Whatever retirement looks like for you, it's wise to seek professional financial advice before making big decisions. Pensions, investments and tax payments could all be affected, and you may need to bridge income gaps as earnings reduce.
The expert independent financial advisers at Blackmount Private Wealth can help you make informed choices to achieve your retirement dreams.
READY TO PLAN YOUR RETIREMENT?
Contact Blackmount Private Wealth today for expert advice on phased retirement and financial planning. We can share insights about how clients use hybrid working in their retirement plans.
The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.
