Stakeholder Pension

Your stakeholder pension is a flexible and tax-efficient way of saving for retirement.

The average life expectancy is increasing, which means saving in a pension and topping it up is a great way to help build up a fund for when you retire. Read about the benefits of topping up.

The value of your investment can go down as well as up so you might get back less than you put in.

What you may be looking to do:

  • Change the funds your plan's invested in.
  • Change the amount of money you pay into your plan.
  • Adapt your plan to reflect any changes in your employment.
  • Stop paying into your plan.
  • Move your money to a different plan.
  • Take out the money from your plan.

If you’re considering any of these, please look at the links at the bottom of this page.

Read about the features of your Stakeholder Pension

  • Simple - it's easy to maintain and you can keep paying in even if you change jobs, become self-employed or aren't working.
  • Minimum lump sum - you can start your stakeholder pension with as little as £20.
  • Maximum charge - Prudential currently applies a maximum charge of 1%. We might change our charges in the future.
  • Flexible payments - you can stop, start, increase or decrease your payments at any time without penalty. Note that charges will still be applied and deducted, and that any changes to your contributions will impact on your benefits at retirement.
  • Tax relief - for every £80 you invest in your pension, the government will pay a further £20. If you earn above the basic rate of tax, you can claim additional tax relief through your tax self-assessment form. See our Income Tax and Tax Relief Calculator for more or read about the tax benefits of saving in a pension. You should remember tax rules can change and the impact of taxation (and any tax relief) depends on your circumstances.
  • circumstancesInvestment choice - you can choose from a wide range of investment options, such as fixed interest securities that are lower risk, to higher risk funds investing in the shares of UK and overseas companies. Find out more by reading your plan literature. The value of your investment can go down as well as up so you may get back less than you put it.
  • Expertly managed - your funds are managed by M&G Treasury & Investment Office (TI&O) and external leading fund managers.

Remember, if you're thinking of making changes to your plan, including adding more money, it's really important you speak to a financial adviser. They can help you understand if what you want to do is right for you and your aims and circumstances, that may have changed since you took your plan out. They'll be responsible for the advice they give and you'll also have protection from the Financial Ombudsman Service.

Regardless of whether you’ve taken advice, you can refer any matter to the Financial Ombudsman Service for consideration should you feel that you haven't been treated fairly, or for any other aspect under the Financial Ombudsman Services remit.

Review your stakeholder pension 

Prudential Stakeholder Pension Scheme  

If your Stakeholder Pension Scheme is set up through your workplace you can access your Stakeholder Pension Scheme online allowing you to manage your enquiry yourself. You can: 

  • see a valuation of your funds,
  • change the funds you invested in,
  • view key documents online,
  • request changes to personal details,
  • send us secure messages.

View your Stakeholder Pension Scheme online.

Or you can call us on 0345 070 3333* (Monday to Friday 8.30am to 6pm) or talk to your employer.

Premier Stakeholder Pension and Premier Group Stakeholder pension

If you are a member of a Premier Stakeholder Pension or Premier Group Stakeholder Pension, you can access our secure online services and you may be able to manage your products enquiry yourself.

Within your online account you can:

  • check the value of your policy,
  • change personal details,
  • view key documents online,
  • send us secure messages.

View your Premier Stakeholder Pension plan online.

If you are a first time user you will need to register here and create your online account.

Got any questions on registration or logging in call us on: 0345 601 0150* (Monday to Friday 8:30am to 6pm).

Stakeholder Personal Pension Plan

By accessing your online account, you may be able to manage your enquiry yourself or you can send us a secure email to deal with your product query.

Within your online account you can:

  • check the value of your policy,
  • change personal details,
  • view key documents online,
  • send us secure messages.

If you have not yet registered for online services, registration only takes a few minutes – register for an online account.


Please visit our employer section of the website.

*We might record your call for training and quality purposes. To find out more about how we use your personal data please visit