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Help articles and guides

Our articles, guides and videos can help you learn more about saving in a pension and retirement planning.

What is a pension?

The money you save during your working life builds up in a pot that can be converted into an income or a single or series of cash lump sums when you retire.

Tax benefits of saving in a pension

Saving in a pension is a tax-efficient way of building up an income for retirement.

Why do I need a pension?

A pension is designed to help you fund your retirement and replace the income you are no longer receiving from working.

How can I take my pension savings?

Your pension, your freedom. What the changes mean for you.

What you may have heard about Pensions

After wide ranging changes introduced in April 2015, from age 55 onwards, you can now access your pension in more ways than ever before.

Workplace pensions

Could you be automatically enrolled?

What are Individual Pensions?

There are three main types of individual pensions - personal pensions, stakeholder pensions and self-invested personal pensions.

What are Stakeholder Pensions?

Stakeholder pensions are flexible and are designed to help if you are only able to save smaller amounts towards funding your retirement.

Company pensions

Consider the benefits of joining your employers pensions scheme.

Additional Voluntary Contributions Overview

An Additional Voluntary Contributions plan is set up by an employer for employees to make further contributions to potentially build up additional benefits.

What are Personal Pensions?

A personal pension is your own private pension that you can take from job to job.

Group Personal Pensions

A group personal pension is arranged through your employer but held directly with the provider.

What are Self-Invested Personal Pensions (SIPPs)?

SIPPs are a specialist type of product that allows you more flexibility over where your money is invested.

Benefits of topping up your individual pension

As you fund an individual pension yourself, the more you pay in, the more potential there is for you to achieve the retirement you want.

Why it could pay to top up your company pension

If you are a member of your company pension scheme your employer would normally, at least, match your contributions.

Retirement planning - no time like the present

Retirement planning - are you on track?

Your future finances - things to factor into your retirement plan

A lot could determine your finances at retirement - take a look with our new video.

What could you be entitled to in retirement?

Make sure you’re not missing out on extra retirement benefits.

What happens when I near retirement?

It's a good idea to keep an eye on your pension savings as well as your finances, to see if you are on track to receive the income you'd like in retirement.

Tips to improve your retirement income

Are your finances retirement-ready?

Life events that can influence your retirement income needs

Changing income needs in retirement.

How your spending habits might change

Living longer can influence your income needs.

Better together – tips for couples planning for their retirement

Things to consider as a couple.

51%

of people surveyed in our Class of 2016 research are planning to work past their State Pension age.

Your pension, your freedom

Check out our video on ways you can take your pension pot.

Your risk appetite and pension choices

How your appetite to risk can affect what you do with your pension.

Fixed or flexible income in retirement?

Annuities and drawdown explained.

Types of annuity

Understanding the annuity choices available.

Annuity tips before you buy

An annuity is a way to ensure you get a guaranteed income in retirement.

Ways to pass your pension on

The way that you decide to take your pension will affect what will happen to it when you are no longer here.

Delaying when you take your pension

Postponing your retirement.

Tax information and allowances

Government tax rules and regulations that may affect you if you are saving, investing or have a pension plan.

Save your new (and old) pound coins to help beat inflation

The new 12-sided pound coin is worth £3.10 in today’s money, compared with when the coin was first introduced in 1983. So what does this mean for savers?

What's on your Retirement Life List?

Try our fun Life List Tool to get ideas and inspiration for your retirement planning.

Pensions and living longer

Now that people are living longer in retirement, how does that impact your pension?

Pension changes - word on the street

Your views on the new ways you can take your pension.

How do you imagine your future?

Watch our new film and feel inspired by the possibilities that retirement could bring.

26%

of retirees will join a club

What the recently retired would do differently if they had their time again

Learn from those that have retired before you.

Protecting yourself from investment scams

Don't fall victim - what to watch out for.

Stay up to date on Budget changes

How changes announced could impact you now and in the future.

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