Pensions

Planning for retirement through state and private pension schemes. Articles explain contribution strategies, pension transfers, annuities and options for different life stages.

All About Money Purchase Schemes

How money purchase pensions work and what you can do with your retirement fund when you stop working.

Am I Too Late to Start a Pension?

You can start a pension at any age, and waiting could leave you struggling in retirement on the state pension alone.

Final Salary Schemes

Why final salary pensions became too expensive for most companies to offer their employees.

How Can I Transfer My Pension?

Transferring your pension can cost you money and might leave you worse off, so check what benefits you'd lose before you switch.

How Much Pension Will I Need?

Work out how much pension you'll need in retirement and what income level will let you maintain your lifestyle.

Pension Planning in Your 20s, 30s and 40s

Starting a pension in your 20s, 30s or 40s makes a real difference to how much you'll have saved by retirement.

Self Invested Personal Pensions (SIPPS)

Take control of your pension investments with a SIPP and choose from shares, bonds, property and more.

The State Pension Explained

How much you'll actually get from the UK state pension and whether it's enough for retirement.

Understanding Annuities and Getting the Best Deal

Annuities guarantee you income for life when you retire, but rates have fallen due to interest rates and market changes, so shopping around matters.

What Is Serps?

Serps was the UK government's additional pension scheme for employees until 2002, when it was replaced by the State Second Pension.

Your Pension Questions Answered

Get answers to common questions about pension deficits, protection, and what happens if your company pension scheme fails.