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Choose a pension or annuity from Scottish Widows and you’ll really make the most of your retirement planning.


Retirement Account

  • Start from £200 per month, or a £10,000 single payment
  • For Retirement Planning and/or Retirement Income
  • Wide range of investments
  • Simple and transparent charging

Speak to an adviser

Stakeholder Pension

  • Start from £20
  • One of the easiest and most flexible pensions
  • Get tax relief on your payments
  • Charges capped by legislation

Contact us


  • Annuities for retirement Income
  • Start from age 55
  • Simple and easy to understand
  • Health and lifestyle factors can be taken into account
  • Looking for Bulk Annuities?

Apply today

Are you ready to retire?

Retirement planning

Follow our 5 steps to retirement to help you choose the retirement option which is right for you.

Your pension options

Use the tools and read the interactive stories to help find which option is right for you.

Our retirement products

Scottish Widows offers the following retirement options:

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn't guaranteed, and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Tax treatment depends on your individual circumstances. Your circumstances and tax rules may change in the future.