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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 ideal retirement look like? Whether you intend to stop working altogether or just slow down a bit, we have useful articles to help you plan.

6 min read

How to manage your money in 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...

Financial planning for retirement

02 February 2022

How to get you and your retirement plans ready.

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

06 April 2024

'Discover how to increase your pension contributions to help boost your pension pot and fund your retirement.

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 may bring 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 decide who gets my pension when I die

22 August 2018

Explore legacy decisions with our guide: How to choose beneficiaries for your pension after your passing. Secure your loved...

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  

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