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Serena Voss

Portrait of Serena Voss

Facts Deck author

Serena Voss

Retirement & Investing Writer

Retirement is a number you can work out.

Pensions
Retirement planning
Robo-advisers
Stocks & Shares ISAs

Articles

13

Total reads

36

Topics

6

Writing since

Sep 2026

Profile

About Serena

Serena focuses on the long game: retirement income targets, pension choices and the platforms people use to invest without watching the market every day.

Her comparisons lay out fees, features and trade-offs side by side so readers can match a product to their own situation rather than a headline.

Start here

Start here · Serena’s most-read

SIPP vs Workplace Pension: Which Grows Your Retirement Faster?

A SIPP gives you full control. A workplace pension gives you guaranteed employer money. Here's the honest comparison — and why most people shouldn't be choosing between them at all.

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Articles by Serena

13 articles · latest September 24, 2026

Retirement
Workplace Pension Explained: Are You Losing Free Money?
Your employer is legally required to add money to your pension every payday — and most people never claim the full amount on offer. Here's exactly how auto-enrolment, matching, and tax relief add up.
September 24, 2026 · 7 min read
Retirement
State Pension vs Private Pension: What You Actually Need to Know
The State Pension pays £12,547.60 a year — if you get the full amount. Here's what it actually covers, how private pensions fill the gap, and the mistakes that quietly cost UK savers thousands.
September 24, 2026 · 7 min read
Comparison
SIPP vs Workplace Pension: Which Grows Your Retirement Faster?
A SIPP gives you full control. A workplace pension gives you guaranteed employer money. Here's the honest comparison — and why most people shouldn't be choosing between them at all.
September 24, 2026 · 7 min read
Decision Making
Should You Max Out Your Pension or Your ISA First?
Pensions win on tax relief and employer match. ISAs win on access and flexibility. With Cash ISA and pension IHT rules both changing from 2027, here's the order that actually makes sense for most people.
September 24, 2026 · 7 min read
Retirement
Retiring at 55 in the UK: Is It Actually Possible?
Retiring at 55 is possible, but the minimum pension age rises to 57 in 2028 and there's a 12-year gap before the State Pension starts. Here's what it really costs, how to fund the bridge years, and the tax traps to avoid.
September 24, 2026 · 7 min read
Retirement
How Much Should You Have Saved for Retirement by 30, 40, and 50?
1x your salary by 30. 3x by 40. 6x by 50. Here's where the benchmark actually comes from, how to work out your own real number, and exactly what to do if you're behind.
September 24, 2026 · 7 min read
Retirement
How Much Do You Need to Retire Comfortably in the UK in 2026?
The PLSA says a comfortable retirement now costs £43,900 a year for one person. Here's exactly what that buys, what the State Pension covers, and the real number you need to save to get there.
September 24, 2026 · 7 min read
Retirement
Best Retirement Calculators in 2026 (And How to Use Them Properly)
No single retirement calculator tells the whole story. Here are the best free UK tools for your State Pension, your pension pot, and your spending target, plus how to set realistic inputs so the numbers actually mean something.
September 24, 2026 · 7 min read
Investing
Robo-Advisors Ranked 2026: Nutmeg vs Wealthify vs Moneyfarm vs InvestEngine
One of these four quietly stopped offering its managed portfolio to new customers in 2026. Here's how Nutmeg (now J.P. Morgan Personal Investing), Wealthify, Moneyfarm, and InvestEngine actually rank on cost, flexibility, and availability.
September 16, 2026 · 8 min read
Investing
Compound Interest Calculator: Why Starting at 22 vs 32 Changes Everything
Same £200 a month, same 7% return, just ten years apart. One investor ends up with £655,000, the other with £309,000. Here's the exact math behind why waiting a decade costs far more than a decade's worth of contributions.
September 12, 2026 · 7 min read
Investing
Vanguard vs Nutmeg vs Moneyfarm: Best Stocks & Shares ISA?
One is DIY-only and dirt cheap, two are fully or partly managed robo-advisors at a real premium — and one of them isn't even called Nutmeg anymore. Here's how Vanguard, Nutmeg (now J.P. Morgan Personal Investing), and Moneyfarm actually compare in 2026.
September 9, 2026 · 7 min read
Personal Finance
How Much Should You Invest Monthly? (Calculator)
There's no universal answer to how much you should invest monthly — but there is a right answer for you. This guide breaks down the frameworks, the numbers, and points you to an interactive calculator to find your exact monthly investment target.
September 6, 2026 · 8 min read
Retirement
Retirement Planning: How Much Do You Need?
Most people arrive at retirement underprepared — not because they didn't earn enough, but because they never had a real target. This guide gives you a step-by-step UK framework to calculate your exact retirement number, benchmark where you stand, and course-correct if you're behind.
September 6, 2026 · 9 min read

Coverage

Beat map

Where Serena’s articles land, by category.

Retirement9
Personal Finance8
Decision Making4
Comparison3
Investing3
Wealth1

Editorial standards

How we write

1ResearchedWe lean on primary sources wherever we can: official rules, published rates and government data.
2Drafted with AI assistanceWe use AI tools to help research and draft articles. They speed us up. They don’t get the final say.
3Checked and editedThe Facts Deck team fact-checks and edits every article before it’s published.

Author profiles describe each writer’s coverage area. Spotted an error? Tell us and we’ll review it. Facts Deck is for education, not personal financial advice. Read the disclaimer.

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