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All about our personal pension

We understand there's no single recipe for a successful retirement. And that your needs and goals will often change as life unfolds.

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

We call it Pension Portfolio and it’s available by talking to your financial adviser.

Benefits of our personal pension

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Put in what you like

Beyond our minimum levels, tell us how much and how often you'd like to save. 

Find out more  about Put in what you like
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Keep an eye on things

Our mobile app makes it easy for you to keep an eye on your pension savings whenever you like.

Find out more  about Keep an eye on things
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Integrated drawdown

Move seamlessly into drawdown - from within the same plan. 

Find out more  about Integrated drawdown

Share in our success

As a mutual, we think our members should share in our success. So when we do well, we’ll aim to boost your pension savings by adding a share of our profits to your plan each year.

We call it ProfitShare and you won’t find it anywhere else.

Learn more about ProfitShare

Working with advisers

We choose to distribute our personal pension products and services through financial advisers. Simply because we believe that’s the right thing to do.

The world of pensions can be a complex place. And we think quality impartial advice is the best way of making sure you find the right products to suit your needs.

Advisers may charge for their services – though they should agree any fees with you upfront.

The value of financial advice about Working with advisers

What you can expect from us

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Carefully crafted investments

Find out more  about Carefully crafted investments
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Clear and simple communications

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Flexible retirement options

Find out more  about Flexible retirement options

Next steps

If you think that our personal pension could be right for you, the next step is to speak to an independent 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, you can find one in your area by using our handy tool, powered by unbiased.co.uk.

Find a financial adviser The value of financial advice

Learn about pensions

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What is a pension?

Here you’ll find a quick guide to the different types of pension and the benefits of saving for retirement.
Read more about What is a pension?
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Your pension questions answered

Find the answers to some frequently asked questions about pensions.
Read more about Your pension questions answered
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Investment types explained

Get to know more about deposits, equities, property and other investment types.
Read more about Investment types explained
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The tax rules when you want to take money from your pension

We can’t personalise how much tax you might pay, but we can give you some general information about how tax works.
Learn more about The tax rules when you want to take money from your pension
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The tax rules and limits of your pension explained

There are limits on the amount you can invest in pension plans and on the maximum value of pension savings that you can build up without being subject to a tax charge.
Learn more about The tax rules and limits of your pension explained
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The new state pension - your questions answered

When the new state pension was introduced for those reaching pension age from 6th April 2016 it was intended to be much simpler than the system it replaced.
Read more about The new state pension - your questions answered
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Avoiding scams

Financial scams come in many forms and are increasing rapidly. Royal London shows you how to spot and deal with scams.
Read more about Avoiding scams
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How to make sure the right person gets your pension when you're gone

Read our guide on how to make sure that the right person gets your pensions benefits.

Read more about How to make sure the right person gets your pension when you're gone

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