Welcome to your workplace pension

Everyone needs a plan for retirement, and now that you’ve been automatically enrolled into your Group Personal Pension (your workplace pension) it’s a great way for you to prepare for the retirement you want. When you start paying in, your employer will also start paying in. This site is designed to help you understand your pension and your Retirement Journey.

Scottish Widows can help you

  • Understand your pension. Read the Member Guide and click on the information below.
  • Find out what you can do to help you plan for your future – see our Retirement page
  • Access your pension online.

About your pension

Understanding your pension

Read all the literature below to understand more

Unless your retirement is on the horizon, you may struggle to picture exactly what you’ll be doing in 20-40 years time. Our Retirement page can help you think about things that you should do whether you’re years from retirement or retiring soon.

Transferring existing pension plans

These days most people have had a number of different jobs and collected a few different retirement savings pots. With Scottish Widows you can bring all of them together to make it easier to plan for your retirement, you may even be able to reduce your annual management charges and improve the range of investment choices available to you.

We can provide a pension transfer service for most transfer scenarios. See our transfer process for more information about this service and for some things to consider before deciding to transfer.

Investment choices

Your employer will give you details of the default investment option they’ve picked for your pension. You have the option to change your investment choice after the first contribution has been made.

Your options are:

  • Choose to stay in the default investment option,
  • Choose one of our Pension Investment Approaches or one of our Premier Pension Investment Approaches based on your feelings about risk, how you currently intend to take your benefits and the way you want your money to be invested, and then let us manage this through to your retirement, or
  • Be very ‘hands on’ and select from our collection of investment funds.

Guidance to making your investment choice

  1. Read our Pensions Investment Approaches Guide, Premier Lifestyling Options Guide and our Pension Fund Investors Guide for information on the options available.
  2. If you’re thinking about investing in one of our Pension Investment Approaches or one of our Premier Pension Investment Approaches, use the Investment Decision Tool to find out which approach to investing is best for you.
  3. Get the latest Fund Prices.
  4. If you want to switch your funds, we recommend speaking to a financial advisor (you may be charged for this service). If you don't have a financial adviser you can find one in your local area at www.unbiased.co.uk. If you are clear on which fund you want to move to, you can call us on 0345 300 2443.

Tools and calculators

Our range of tools can help you throughout your Retirement Journey.

Years from retirement and nearing retirement

Retiring soon

  • Pensions Options Calculator – calculate and compare your pension options – based on your pension pot.
  • Tax Calculator – get an indication of how tax might be deducted if you decide to take a cash lump sum.

What next?


Introducing your new online services

  • See the value of your pension pot
  • Review your contributions online
  • Manage your personal details

Not registered yet?

retirement Explained

  • Find out how much you should consider saving
  • Expert videos and calculators
  • Your options at retirement


Contact us

Scottish Widows member helpdesk
0345 755 6557
Open 8am to 6pm weekdays

Increase to Minimum pension contributions

See how the changes could affect you

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.

Before you take the decision to opt out please read the information provided in your enrolment letter on ‘How to opt out’.

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 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.

After reading the literature within the links on this page, we recommend that you either save or print a copy and keep this safe for future reference. Please contact Scottish Widows on 03457 556 557 for a paper copy of any of the above literature. The literature and materials available here will be reviewed and updated from time to time. You should check back regularly to make sure you are using the most up-to-date version available.

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.

Scottish Widows is not providing you with advice on this site. If you have any queries as to whether this product is suitable for you, please contact your financial adviser.