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Retirement guidance

You may spend a long time in retirement, so it's worth planning for properly. Wherever you are on your journey, we have a range of articles to help.

Coming up to retirement

What does your perfect retirement look like? Whether you intend to stop working altogether or just slow down a bit, we have helpful articles, written by pension experts, to help you plan.

6 min read

Retirement

30 March 2022

When you retire your main source of income is likely to be your pension. We explain what income you might have in retirement...

Six tips for your retirement plans

02 February 2022

How to get you and your retirement plans ready.

How to look after your pension savings

29 April 2021

Understanding how your pension works and what it does can help you feel more confident about the way you’re saving for the...

Where does my pension go?

24 January 2022

Find out how your pension contributions are invested into carefully chosen companies, property, bonds and cash after your...
4 min read

How to boost your pension pot

05 May 2022

It can be hard to save enough for retirement when you're buying a home and raising a family, but it’s never too late to give...

Members Pension

4 min read

Divorce and pensions

06 December 2021

Pensions are an important asset and will be considered as part of the overall financial settlement between you and your...

Pensions & Retirement Your money

More articles on coming up to retirement

In retirement

Your retirement could have brought with it a huge amount of change. Our articles can help answer some of the questions raised when you retire.

20 min read

Five things to consider before opening a branch at the 'Bank of Mum and...

23 August 2018

This guide highlights the pros and cons of lending adult children money, also known as 'the bank of Mum and Dad'

Financial planning Your money

7 min read
Simon Read

Should I change my life insurance when I retire?

16 February 2021

Life insurance gives you peace of mind that your loved ones will be provided for when you die. So, if you’re looking to...
20 min read

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

22 August 2018

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

Pensions & Retirement Your money

More articles on in retirement

Retirement tools

Retirement options calculator

What options do you have for taking your pension? See what options are available and which is right for you.

Start the retirement planner  

Pension calculator

Tell us a bit about yourself and we’ll give you an idea of what income you could get when you retire.

Start the pension calculator  

More topics

Our articles and guides will help you brush up on your financial knowledge about pensions, life insurance and more. Here you'll find lots of useful guidance and tips to help you understand your money better.

Pensions

Bereavement

Life insurance

Cost of Living

Investments

Your money

'Good with your money' guides

Financial wellbeing

'The penny drops' podcast

Accessing your money in retirement

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.

Find out more about using your pension  

Find the support you need

Find a financial adviser

We strongly recommend talking about your retirement options with a professional financial adviser.

Find a financial adviser  about Find a financial adviser

Pension Wise

Pension Wise (external site) is a government service from MoneyHelper that offers free, impartial pensions guidance.

Visit Pension Wise  about Pension Wise

Retirement planner

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.

Use our retirement planner  about Retirement planner