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 divorce can affect pension and retirement plans
Find out how divorce can affect your pension and retirement plans and what options are available to 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.
Some employers already provide a company pension scheme as part of their employment package to help employees save for their retirement.
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.
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.
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.
of people surveyed in our Class of 2016 research are planning to work past their State Pension age.
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.
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?
How do you imagine your future?
Watch our new film and feel inspired by the possibilities that retirement could bring.
What the recently retired would do differently if they had their time again
Learn from those that have retired before you.