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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

Put in what you like

Tell us how much and how often you'd like to save. 

Find out more  about Put in what you like

Keep an eye on things

Our online service makes it easy for you to make changes to your plan and keep an eye on your pension savings whenever you like.

Find out more  about Keep an eye on things

Integrated drawdown

Move seamlessly into drawdown - from within the same plan. 

Find out more  about Integrated drawdown

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

Working with advisers

We choose to distribute our personal pension products through financial advisers.

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  

What you can expect from us

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 here.

Find a financial adviser The value of financial advice

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

Transfer your pension

There’s lots to think about when it comes to transferring your pension savings.

So we’ve put together some important information about what you need to think about and whether a pension transfer might be right for you.

Learn more about pension transfers

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?