Welcome to your Workplace Pension

Group Personal Pension AE plan

Your pension information site film

Thanks for saving with Scottish Widows and trusting us to help you make the most of your financial future.

Your pension information site has lots of information to help you understand more about your pension. 

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How does a Workplace Pension work?

Your workplace pension is a long-term savings plan. Even if retirement feels like a long way off, the earlier you save, the more time your money has to grow.

If you pay money in, your employer may too. You'll also benefit from tax relief from the Government and potential investment growth. Tax benefits will depend on individual circumstances, but keep in mind that tax rules can change.

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Add your future webinar series to calendar

Retirewell webinar series

Join our pension experts for a programme of live webinars and get the chance to ask them anything about your workplace pension.

View calendar (PDF, 200KB) Opens PDF in a new tab

Stock market volatility – taking a long-term view

Stock market volatility – taking a long-term view

We understand that stock market volatility following recent announcements on trade tariffs may be unsettling, but it’s important to have a long-term view and avoid making reactive decisions. Find out more about stock market volatility on our website. You can also watch this film.

Film running time under 2 mins.

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Important things to do
 

Keep track of your pension:

Keep track of your pension:

Use the Scottish Widows app or secure portal to manage your pension. It's important that you:

  • keep your personal details up to date and provide us with your personal e-mail address so that we can keep in touch even if you change jobs
  • nominate your beneficiaries so we know who you want your pension savings to go to if you die
  • check that your selected retirement age is in line with when you plan to start accessing your pension savings.

 

Scottish Widows app image

Log in to your secure portal

Log in to your secure portal

If you’ve not registered yet, you can register for your secure portal now.

Remember to keep your username and password safe.

If you have already registered for our app, you can use the same log in details to access your secure portal.

 

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Download our app

Download our app

All you need is your:

  • National Insurance number
  • plan number or postcode.


More about our app

Download our app Download our app

Combining your pensions

Combining your pensions

It's worth considering if combining your pensions is right for you, as it could make your pension savings easier to manage.

Our app allows you to save time by bringing together your pensions from different providers, into one easy to manage plan.

Alternatively, you can use our pension transfers page.

Tracing your pensions

Tracing your pensions

People can build up multiple pension pots over their working life and often lose track of where all their pension savings are held. The Government’s pension tracing service can help you track down previous pensions from different pension providers. 

Trace previous pensions Opens Scottish Widows site in a new tab

Beware of scams

Watch our film to find out how to spot a pension scam. 

Film running time 1.5 mins.

Opt out

Opt out

If you don't want to join your employer's workplace pension scheme at this time, you can opt out after you have been automatically enrolled. Please read the information provided in your enrolment letter on ‘How to opt out’ before making your decision.

If you wish to opt out of the Group Personal Pension and have received an enrolment letter with a unique reference number you can do so by completing our online opt out form. Alternatively you can download a copy of our opt out form (PDF, 500KB) and send it to your employer. A paper copy of the Opt Out Form can be requested by calling the Scottish Widows Helpdesk on 0345 755 6557.


Planning for your future
 

Prepare for your future

Prepare for your future

We’ve got tools and guidance to help you:

  • See what pension savings you currently have and what you're expected to get when you retire.
  • Explore paying more into your pension.
  • Review your retirement options when you're ready to access your pension savings. 
  • Access support on how to keep on top of your pension savings.
Pension planning Opens Scottish Widows site in a new tab

What you might need

What you might need

The Retirement Living Standards are designed to help you picture your retirement and what it might cost. 

Created by the Pensions and Lifetime Savings Association, you can use these standards to help you get an idea of what you might need in retirement, and to help you set a retirement savings goal.

Find your Retirement Living Standard Opens third party site in a new tab

Understand your retirement options

Understand your retirement options

Read our Helping You Prepare for your Retirement guide (PDF, 400KB) to learn about your options when you’re ready to start accessing your pension savings.

To discuss your retirement options, and to begin accessing your savings, please contact 0345 835 6644.

You won’t usually be able to access your pension savings until age 55, and this is increasing to age 57 in 2028. 

Visit the library to find more important information about your options and things to consider as you approach retirement.

Visit the library Read our pension guides

Understand the State Pension

Understand the State Pension

You may also be entitled to the State Pension. This is separate from your workplace pension. It’s a regular payment from the Government most people can claim when they reach State Pension age in their late 60s.

  • The full State Pension from 6th April 2025 is £230.25 per week (£11,973 per annum).
  • Not everyone gets the same amount. Most people will need to have 35 qualifying years of National Insurance credits or contributions to get the full amount. 

You can check your State Pension forecast on the Government's site.

Your State Pension forecast Opens third party site in a new tab

State Pension film

Watch our film on the State Pension to find out more.

Film running time under 5 mins.

Supporting vulnerable customers

This film explains the additional support services available to you through our partnerships. You can also learn more about these in our support guide (PDF, 1MB). 

Film running time 2 mins.

Look after your financial wellbeing

Look after your financial wellbeing

Our Be Money Well site has various resources to help you learn new financial skills. Beyond just pensions, you'll also find: 

  • bitesize learning on financial essentials
  • blogs and videos
  • resources to enhance your digital skills.
Visit Be Money Well Opens third party site in a new tab

Government's Midlife MOT Resources

Government's Midlife MOT Resources

Visit the Government’s Midlife MOT site to help you think about work, health and money with future planning in mind. You can:

  • choose your Midlife MOT goal for instant resources
  • browse all work, health and money resources for general information.
Midlife MOT Opens third party site in a new tab


Tools & calculators
 


Library & resources
 

  • Below you will find information about your investment options and charges. Unless you have selected your own investments, your employer will have selected a default investment option when you joined the scheme. This will be detailed in the welcome pack that was sent to you in the post when you joined the scheme. You can also review where your savings are invested, and make changes, through our app or by logging in to your online services.

     

    Investment choices and charges

    Explore information on the alternative investment options available to you, past performance, their charges and their fund factsheets. 

    Charges sheet (PDF, 200KB)

    This lists the pension fund choices that are available to you and the total annual fund charge for each fund.

    This guide explains how our Lifetime investment paths work.

    Our Pension Investment Approaches (PIAs) are our fully governed range of investment strategies. In this detailed guide you’ll find details of the different options available to you. 

    This guide details our Premier Pension Investment Approaches (PPIAs). 

    Fund guide (PDF, 1MB)

    This guide provides information on the different fund choices that are available to you.


    We may have provided links to documents and other information supplied by third parties (which may include your employer or their advisers). They are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

  • Retirement options library and resources

    This detailed guide explains the options available to you when you want to start taking your benefits and the key things to consider before you do.

    This detailed guide from MoneyHelper also explains your retirement options, as well as the free retirement service that may be available to you through Pension Wise.

    This guide explains the ways in which you can access your pension using the flexible income option.


    We may have provided links to documents and other information supplied by third parties (which may include your employer or their advisers). They are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

  • Key Features and Terms & Conditions library and resources

    This detailed guide contains important information about your plan and how it works. 

    Example illustration (PDF, 600KB)

    This shows our standard charges and how they could affect what you might get back. Your actual charges may be different from those shown, please see your personalised illustration for details.

    Terms and conditions (PDF, 600KB)

    This contains details of the terms and conditions of the plan.


    We may have provided links to documents and other information supplied by third parties (which may include your employer or their advisers). They are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

  • Useful information library and resources

    Nomination form (PDF, 3MB)

    Please let us know who you wish your pension benefits to go to upon your death. You can nominate your beneficiaries through the Scottish Widows app and your online services. If you’d like to use this form instead, please complete this form and send it back to us. 

    Pension tax (PDF, 3MB)

    In this detailed guide, you'll find information on how current tax legislation affects how you save for retirement. There's information on the tax implications on your pension savings, including how tax relief works.

    Important information relating to your pension scheme, including our data privacy notice and how we use your personal information.

    Salary exchange guide (PDF, 200KB)

    Your contributions may be made using Salary Exchange (often referred to as Salary Sacrifice). This guide explains how this works and provides answers to some frequently asked questions. 

    This guide explains what happens to your pension savings when you die, and the options available to you. 

    Declaration (PDF, 100KB)

    This includes important statements relating to your policy if you have been auto-enrolled into your workplace pension scheme by your employer. 

    Read our guide to find out more about the services and support available to you at times of need, through our partnerships.  

    Through this link you'll find more information about saving for your retirement, and answers to some of your pension questions. 


    We may have provided links to documents and other information supplied by third parties (which may include your employer or their advisers). They are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.


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