Personal pensions – Your guide

Everyone needs to plan ahead for retirement. People are living longer and healthier lives, so it is even more important to think about how and when to save for retirement and how long to work.

The basic State Pension will give you a start, but to have the lifestyle you want in retirement you need to think about a second pension, and the sooner you can start the better.

To help you, this guide tells you about how personal pensions work and the type of questions you should think about.

Other guides in this series will give you more information about particular areas of pensions. Click here to return to the guides index.

These guides can give you helpful information, but only you can make decisions about your pension.




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Jump to another section of this guide
Introduction
Personal pensions - Your guide
What is a personal pension
Is a personal pension scheme right for me
What are my pension options
Additional State Pension
Occupational pensions
Stakeholder pensions
Group personal pensions
How to decide
Example of how a personal pension can benefit you
What else do I need to think about
How do I get help
Can I change my mind
What if I drop out
How do I pay into a personal pension scheme
Leaving the additional State Pension
Rebate-only personal pensions
Reviewing your pension
What if my circumstances change
Should I transfer to a stakeholder pension
What if I change jobs
What if I become self employed
What happens if I stop working
What if I get divorced
What happens when I retire
What happens
Information about your pension
Where can I get more help
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Other publications you may find useful
Other guides in this series
PM1
A guide to your pension options (PM1)
A Guide to Your Pension Options
PM2
State Pensions - Your guide (PM2)
State Pensions
PM3
Occupational pensions - Your guide (PM3)
Occupational Pensions
PM4
Personal pensions - Your Guide (PM4)
Personal Pensions
PM5
Pensions for the Self-Employed - Your Guide (PM5)
Pensions for the Self-Employed
PM6
Pensions for Women - Your Guide (PM6)
Pensions for Women
PM7
Contracted-Out pensions - Your Guide (PM7)
Contracted-Out Pensions
PM8
Stakeholder Pensions - Your Guide (PM8)
Stakeholder Pensions
PM9
State Pensions for Carers and Parents (PM9)
State Pensions for Carers and Parents