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Pensions advice

There are many different pension schemes available to support you during retirement. Put simply, a pension scheme is a way of saving for later life, but with tax relief on your contributions.

Most people are entitled to a state pension when they reach state pension age, but you may also have a personal or a workplace pension. In this section, you can find free and impartial advice on pensions, annuities and retirement planning.


Pensions and annuities

  • The state pension

    The State Pension gives you a regular income from the government once you reach State Pension age.
  • Workplace pensions

    Workplace pensions are set up by employers. Every employer must provide a workplace pension by April 2019.
  • Annuities

    An annuity is a type of insurance policy that can be bought using your pension and provide you with a regular income.
  • Tracing old pensions

    If you have had more than one job you may have multiple pensions. The Pension Tracing Service is free and can help.
  • Pension scams

    It’s possible to access your pension prior to retirement and invest in another way, but be wary of scammers. Find out more.
  • What you can do with your pension pot

    When you retire you can take a cash lump sum, choose an income drawdown scheme or buy an annuity with your pension pot.

Changes to State Pension Age

The State Pension age is increasing for men and women depending on when they were born. Find out how you'll be affected

Missing pensions

Michelle Cracknell and Amy Mankelow discuss the number of missing pension pots in the UK and how to trace them.

Sir Naim Dangoor

We are grateful for the generous support of the late Sir Naim Dangoor, CBE, and the Exilarch's Foundation.

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