Funding your retirement
As the UK’s largest mutual life, pensions and investment company, everything we do is in the best interest of our customers. So, when you choose our products you're not only putting your money in reliable hands, but in responsible ones too. We can help you save money for your future and invest responsibly, so we can all build a future worth living in.
From pensions to your property, there's a lot to consider when looking at how to fund your retirement. And because there's so much choice, it's important that you take time to decide what's right for you.
Using your pension
When it comes to accessing your pension savings you can:
- Take a cash lump sum
- Get flexible access to your savings
- Buy a secure income
- Leave your money invested until you decide to take it.
Whatever you decide to do, you can usually take up to 25% of your pension savings completely tax free.
Using your property
There are more options than ever when it comes to using property as part of your retirement plan, including:
- Equity release
- Retirement Interest-Only Mortgage (RIO)
- Traditional mortgage.
Our Later Life Lending service, provided by Responsible Life, is designed to help you explore these options and find the one that's right for you.
- Coming up to retirement
- In retirement
Managing your pension
Our mobile app makes it easy to check in with your pension savings whenever you like, and as often as you like.
Your plan online
Depending on the type of pension plan you have, you can access details of your pension savings with our secure online service.
If you need to get in touch with us about something - pensions, investments or insurance - our customer service team is here to help.
Find the support you need
Find a financial adviser
We strongly recommend talking about your retirement options with a professional financial adviser.
Pension Wise (external site) is a government service from MoneyHelper that offers free, impartial pensions guidance.
Tell us how much income you're looking for when you retire, give us a few personal details and we'll let you know if you're on track.