I noticed in the help section that players begin to lose skills at 27 is this when they begin to retire too?

and they don't lose skill at 27, they lose trainingpoints at 27, so this means they train slower but still grow

The closer they get to 30 the fewer skill points they can gain, then from 30 onwards they start to lose the physicals - but they can only go so low

Sorry, I said 13, it's actually 12:

- Players aged 16 to 27 train normal and lose no points due to their age.
- Players that are 28 years old lose 25% of their training.
- Players that are 29 years old lose 50% of their training.
- Players that are 30 years old lose 75% of their training.
- Players that are 31 years old get no training points. They also lose from 10 to 15 points on Speed, Strength, Agility and Stamina each training cycle.
- Players that are 32 years old get no training points. They also lose from 16 to 20 points on Speed, Strength, Agility and Stamina each training cycle.
- Players that are 33 years old and above get no training points. They also lose from 21 to 25 points on Speed, Strength, Agility and Stamina each training cycle.
NOTE: No player skill can go below 12 because of his age.

Just thought I'd bump this since the question came up recently, some good info here.