A worryingly large proportion of UK retirees harbour regrets about the way they planned their finances before quitting work, according to a new survey. In hindsight almost one third (32%) would have made different choices. Of those, 30% would have sought stronger guarantees of their incomes, 20% would have taken less from their savings in cash upfront, and 19% would have opted for greater flexibility. Fear of running out of money means a guaranteed element of income occupies the minds of most retirees. But those with the biggest pension pots value a guaranteed income most highly.