• Planning for retirement

    Retirement is changing and with new freedoms for your retirement savings, now’s the time to reinvent your retirement plan.

    In short, you now have more control over how to enjoy the money you’ve invested for your retirement. But we know the world of pensions isn’t simple. So we think it’s better to start with you and what you want.
  • What are the pension freedoms?

    The Government announced pension freedoms in the 2014 Budget and it started from 6 April 2015. It means anyone aged 55 has greater choice over how to use the money they've been saving in their pension.

    Freedom at age 55 banner
  • Let us help you consider your options:

    What can I expect in retirement?

    We've broken down retirement into life stages so you can follow our journey to learn how you can aim to make your money work harder throughout your retirement years.

    What can I expect in retirement?

    When should I start a pension?

    With the new pension freedoms you can take your pension whenever you like. But actually building up your retirement savings in the first place isn’t always easy. We’ve looked at ways you can save during the build up to retirement.

    When should I start a pension?

  • Getting advice

    An adviser can help you understand your options and recommend the best path for you.

    If you don't have a financial adviser you can use unbiased.co.uk to find one near you.

  • Discover more about our range of products - designed with you in mind
  • Please bear in mind

    When making a retirement plan it's a good idea to think about how you want to build up your retirement savings, and how you want to use your savings when you stop working. Once you turn 55, you can take your retirement savings any way you like: as a lump sum, an income, or both.

    Please note that the value of investments can go down as well as up and are not guaranteed. You could get back less than you invest.