Pensions

Information about workplace pensions, personal pensions, and making the right choices for retirement income. Topics include annuities, tax implications, state pension supplements, and self-employed options.

Alternatives to Pensions

If pensions feel too restrictive, ISAs and other investments offer more flexibility and earlier access to your money, though with more risk.

Annuities: A Rip Off or a Complex Retirement Product?

Annuities have a bad reputation, but are they really a ripoff or a legitimate way to turn your pension into retirement income.

Can You Close Your Pension Shortfall?

A pension shortfall means you won't have enough money in retirement, but working longer or saving more now can help close the gap.

Getting a Better Pension

Simple steps to boost your pension before retirement and secure your financial future.

How Much Should You Invest in a Pension?

Work out how much to put in your pension based on your age, retirement lifestyle, and how long you want your money to last.

How to Get More from Your Pension

Make your pension last longer by understanding income drawdown, unsecured pensions, and phased retirement options.

Pension Choices

Your pension needs to adapt as your career changes, so start planning early rather than relying on the state pension alone.

Pension Companies Forcing Thousands Into an Impoverished Retirement

UK pension companies charge fees four times higher than Europe, leaving savers thousands of pounds worse off in retirement.

Pension Contributions Q and a

Get answers to common questions about how pension contributions work and the tax benefits you might be missing.

Pensioner Savings Q and a

Pensioners in the UK get a personal allowance of £9,030 before paying tax, but earnings above that face 20-40% depending on your income level.

Pensions for the Self Employed

Self-employed people shouldn't rely on their business as a pension, here's what retirement options actually exist for you.

Pensions from Your Employer-What You Need to Know

Understand how employer pensions work, what types your company might offer and what contributions you should expect.

Pensions: How to Take Control of Your Pension Pots

Keep track of your pension statements to spot underperforming pots and make changes that boost your retirement savings.

Public Sector Workers to Pay More Into Their Pensions

Public sector workers face higher pension contributions or later retirement as the government tackles mounting pension costs.

Should You Defer Your Pension?

Putting off your state pension could mean a bigger payment later, and here's what you need to know about deferral.

Taxation and Pensions

Work out whether you owe tax on your pension by adding up all your retirement income against your allowances.

The 12 Biggest Pension Mistakes

These 12 pension mistakes could cost you thousands in retirement, so avoid them now.

The Government's New Work Based Pension Scheme

The government is automatically enrolling millions of UK workers into new workplace pension schemes from 2012 unless they opt out.

Types of Annuity

An annuity converts a lump sum into regular guaranteed income, usually from your pension fund, though current rates are significantly lower than a decade ago.

Understanding Taxes Paid on Pension Income

You'll still pay income tax on pension income in retirement, but only on what counts as taxable after accounting for tax-free allowances.

Ways to Supplement Your State Pension

Find practical ways to boost your state pension income, from unclaimed benefits to winter fuel payments and savings options.

Why the CBI Is Pushing for a Delay on Enforced Retirement

The CBI warns the Government to delay scrapping the default retirement age until businesses and workers understand the full impact.

Your Pension: How to Make a Complaint

If your pension provider gave you bad advice or sold you the wrong product, here's how to make a complaint and claim compensation.