1. Home
  2. Pensions

Our pensions

We want our pension schemes to have a positive impact on our customers. Whether you're just starting to save into a pension or ready to take money out of it, we have the best interests of our members and customers at heart. It's about long-term financial wellbeing and sharing responsibility for building a better future. Save today to enjoy tomorrow.

Our pension products Learn more about pensions

Whether you’re starting up or winding down, we’re here to help.

Simply tell us where you are in your journey - and we’ll take things from there.

My retirement journey

Reasons to trust Royal London

5 Star rated products

Defaqto 5 Star rated group personal pension and drawdown pension.

Service that sings

We're proud to have consistently won five stars for our service at the Financial Adviser Service awards.

Firm foundations

We’ve been helping people to help themselves for over 150 years.

We're making mutuality meaningful

From voting on the way we run our business, to aiming to boost their pension savings through ProfitShare, we want our customers to feel the mutual benefit of being with us.

Learn more Learn more

What you can expect from us

Carefully crafted investments

Find out more  about Carefully crafted investments

Clear and simple communications

Find out more  about Clear and simple communications

Flexible retirement options

Find out more  about Flexible retirement options

Our pension products

 

All about our personal pension

We’ve packed our personal pension full of flexibility. So you can adjust things as and when you need to.

Learn more  

Flexibly accessing your pension savings

Our income drawdown facility gives you the freedom to take the income you need, when you need it.

Learn more  

Workplace pensions

Find out what our workplace pensions do and how you’re investing in a better future for yourself as they aim to grow the money you pay in over time.

Learn more  

Find tailored advice that's right for you

We recommend talking about the different types of pension available with a professional financial adviser. They can give you personalised advice and recommendations to match your individual needs and circumstances.

If you don't already have an adviser, there are a number of directories that you can use to search for one in your area and according to their specialisms.

Find a financial adviser The value of financial advice

Learn about pensions

What is a pension & the different types

What is a pension? Learn its importance & how it secures your financial future. Visit Royal London today to find out more

Read more about What is a pension & the different types

Pensions Explained: your questions answered

Find the answers to some frequently asked questions about pensions.
Read more about Pensions Explained: your questions answered

Understanding pension tax rules

Understand pension tax rules easily with Royal London's comprehensive guide. Gain clarity on your tax free cash, what's taxed, and your personal allowance.
Learn more about Understanding pension tax rules

Pension allowances explained

There are limits on the amount you can invest in pension plans without being subject to a tax charge. These limits are known as the annual allowance, the tapered annual allowance, the money purchase annual allowance.
Learn more about Pension allowances explained

What happens to my pension when I die?

Depending on the type of pension, when you die your partner, spouse or other beneficiaries may be entitled to your pension. Learn what will happen to your pension with our guide.
Read more about What happens to my pension when I die?

How pensions work and how to make the most of them

Whether you're starting your first pension or you've been saving for retirement for a while, our guides can help you understand what pensions are, how they work, and how to make the most of them.

Explore the guides

Secret Life of Pensions

What does your pension get up to after it leaves your pay packet?

It doesn’t just sit in an account somewhere until you retire. It's busy working hard in the real world so that when you’re older, hopefully you won’t have to.

Find out more Link to Secret Life of Pensions page