There’s more flexibility about when you retire than ever before. Generally speaking, if you’ve saved into a workplace or private pension, once you reach 55, you can start taking your money out, but you can also choose to leave it where it is and let it grow a bit more.
As well as financial considerations, other issues may affect your decision, for example, whether you enjoy your job and can physically manage its demands, and your health. You may even find that a phased approach works best for you, reducing your hours from full to part-time.