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Pensions

Pensions

Saving for retirement

Ensuring you have a happy retirement isn't just about money, but it helps. Use our guides to help you plan for a decent income from your pension.

- How to fund your retirement
- Get a State Pension forecast
 
Pension basics
Pension basics
The earlier you start saving, the more comfortable your retirement is likely to be. Find out all about pensions
Also: Changes to pension rules
State pensions
In our out?
Should you turn your back on the State pension and opt out? Read our guide to find out what is involved.
Also: Advice from the Pension Service
Occupational pensions
Work and pensions
Thinking of joining your employer pension scheme? Before you sign up, find out what you need to know.
Also: The pensions crisis
Annuities
Annuities
If you pay into any form of personal or money purchase pension you have to buy an annuity. So how do they work?
Also: Best buy annuities
Investment trust pensions
Investment plans
Pensions based on investment trusts are low-cost - but there can be risks. Is this the right option for you?
Also: Track your investments
Self Invested Personal Pensions
Do it Yourself
There are pros in running your own pension through a SIPP, but only if you have a large fund. Find out more.
Also: Five-year delay will cost you
Apply for pension credit now
Easy as AVC
If you pay into a company scheme you can boost your pension prospects with extra savings. Find out how.
Also: Apply for Pension Credit
Time to transfer?
If you think your pension outlook is bleak, you may be tempted to transfer to another provider. First, read this.
Also: A-Day: What you need to know
Group personal pensions
Group schemes
The way many company schemes work is changing from final salary to one based on how much you pay in.
Also: Personal Pension Relief Calculator
Pocket tax guide
Tax facts
A new tax regime came into force in 2006. Find out how it affects personal and stakeholder pension allowances.
Also: Tax saving guide
Pension FAQs
Got a question?
Well, pensions are a complex subject. Here are the answers to the most frequently asked questions.
Also: Ask the experts
Other state help
Claim what's yours
There are benefits covering fuel bills, housing, council tax and more. Make sure you claim what you're owed.
Also: How to claim winter fuel help
 
Annuity relief calculator
Calculate the amount of available retirement annuity relief available for the current and previous years.
Personal pension relief
Calculate the amount of available personal pension relief available for the current year.
Pension calculator
Estimate of the amount of pension income you could get when you retire based on how much you pay in.
Ad Feature
Pensions:
Everything you need to know on SIPPs, Annuities and saving for your retirement. Plus FREE brochures.
 
 
Ad Feature
Thinking about your retirement? Thinking about your retirement?
See if we can help. 20% off annual management charge when you arrange your Stakeholder pension online. Scottish Widows.
 
 

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