Pensions and retirement

Includes retirement advice, types of pension and retirement income, and information on automatic enrolment

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Pension basics

Find out why and when to save into a pension and how to work out what your pension pot might be.

  1. Pension information: guide to the basic facts
  2. Pension calculator
  3. Trace lost pensions and request pension forecasts
  1. Pension release or pension unlocking
  2. Free printed guides
  3. Coronavirus and your pension

Saving for retirement

Learn about the importance of retirement savings and why you should save into a pension.

  1. Pension information: guide to the basic facts
  2. Why save into a pension?
  3. Pension calculator
  1. Lifetime allowance for pension savings
  2. Transferring defined contribution pensions
  3. Transferring out of a defined benefit pension scheme
  4. Pension investment options – an overview
  5. How to deal with a gap in your pension savings
  6. Check the progress of your pension and retirement savings
  7. Making the most of your pensions
  8. Pensions – review your investments
  9. Tax relief on pension contributions
  10. Ways to boost your pension in the run-up to retirement
  11. Dealing with pension problems and making a complaint
  12. Individual and Fixed Protection 2014 schemes for pension savings
  13. Retirement income tool
  14. Lifetime ISAs – how they work
  15. Lifetime ISA FAQ

Types of pension

From defined contribution and benefit schemes, to personal pensions and pensions for the self-employed.

  1. Defined contribution pension schemes
  2. Defined benefit pension schemes explained
  3. Personal pensions
  1. What is a group personal pension?
  2. Stakeholder pensions
  3. Self-invested personal pensions (SIPPs)
  4. NEST pensions
  5. Multi-employer pension schemes
  6. Pensions for the self-employed
  7. Your first pension – the options
  8. Free printed guides

Workplace pensions

Learn about automatic enrolment and how it affects you, and use our workplace pension advice tool and calculator.

  1. Automatic enrolment – an introduction
  2. The benefits of automatic enrolment
  3. Workplace pension contribution calculator
  1. Automatic enrolment – what to expect from your employer
  2. Automatic enrolment if you earn up to £10,000
  3. Automatic enrolment if you have debts
  4. Automatic enrolment if you’re 21 or under
  5. Automatic enrolment if you're close to retirement
  6. Automatic enrolment if you're above State Pension age
  7. How safe is your workplace pension?
  8. Tax relief and your workplace pension scheme
  9. Thinking of leaving your workplace pension scheme?

State Pension and benefits

Find out everything you need to know about the State Pension and other benefits in retirement.

  1. The new State Pension explained
  2. Benefits in retirement
  3. Pension Credit
  1. Coronavirus and your pension

Using your pension pot

Learn about the different types of annuity and other kinds of pension and retirement income.

  1. Options for using your pension pot
  2. Delaying taking your pension pot
  3. What is an annuity?
  1. Understand and compare income drawdown tool
  2. What is pension drawdown?
  3. Taking small cash sums from your pension pot
  4. Taking your whole pension pot as cash
  5. Using your pension pot to buy a lifetime annuity
  6. Fixed or increasing annuities
  7. Higher retirement income for people with poor health
  8. Investment-linked annuities
  9. Protecting your retirement income
  10. How to shop around for an annuity
  11. Single or joint annuities
  12. Pension drawdown: Using your pension pot for a flexible retirement income
  13. Fixed-term annuities
  14. Capped drawdown
  15. Free printed guides

Financial advice

Help with choosing a financial adviser, questions to ask them, and a guide to their fees.

  1. Retirement adviser directory
  2. Retirement – why should I get advice?
  3. Choosing a financial adviser
  1. Key questions to ask your financial adviser
  2. Guide to financial adviser fees

Managing money and planning ahead

Prepare for retirement with tips on budgeting, tax and planning ahead when you’ve stopped working.

  1. When can I afford to retire?
  2. Pensions and retirement
  3. How long will your money last in retirement?
  1. Checklist – preparing for retirement
  2. A guide to tax in retirement
  3. Work out your likely retirement income
  4. Manage your money in retirement
  5. Looking after your dependants in retirement
  6. Planning and funding your long-term care
  7. Coronavirus and your pension
  8. Getting professional help if you are worried about savings, investments or pensions
  9. Help if you are worried about your savings, investments or pension

Help in later life

Learn more about pensioner bonds, equity release, lifetime mortgages and retiring abroad.

  1. Retiring abroad
  2. Pensioner bonds: a guide to the fixed-rate savings bonds for over-65s
  3. Planning and funding your long-term care
  1. What is equity release?
  2. Equity release help
  3. Home reversion
  4. Lifetime mortgage

More help with pensions

Find out more about pension scams, divorce in retirement, and what to do about someone’s pension when they’ve died.

  1. Pensions and retirement jargon buster
  2. How to spot a pension scam
  3. Understanding what Pension Wise is and how to use it
  1. How could getting divorced affect my pension and retirement income?
  2. Getting professional help if you are worried about savings, investments or pensions
  3. Help if you are worried about your savings, investments or pension