You've got an idea of what life in retirement might look like, now take the next step.

 

Get ready for retirement

Pay more into your pension

You can give your pension a boost by paying in a lump sum or increasing your regular contributions.
 
Topping up your pension, when you can afford it, could increase the size of your retirement savings.

If you're paying into your workplace pension, speak to your employer to make changes.

Log in to learn how to top up

Combine your pensions for a simple life

Most of us end up with more than one pension. One option is to move your pensions to Scottish Widows.

Combining your pensions may make life easier by helping you to manage your finances, plan for the future and save money.

Find out about transferring in

Retire ready checklist

If you’re close to retirement, understand the steps you need to take for a smooth transition into retirement with our simple checklist.

From reviewing your pensions to finalising key details, we'll help you feel prepared.

View retire ready checklist

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.

Pension scams are on the rise. They often start with an unexpected call, text or email. Increasingly, online and social media are also being used to target people. Read '6 signs of a pension scam' to spot what to look for.

Where to go for more information

Free pension guidance

Need some guidance? You may be eligible for a free Money Helper Pension Wise appointment. They’ll explain the options for taking money from your defined contribution pension. It’s impartial and backed by the government.

Get free pension guidance

Find lost pensions

There are 3.3 million lost pension pots in the UK, each worth an average of £9,470*.

It's easy to track down lost pensions and it could give your savings a boost. 

*Source: Association of British Insurers, October 2024

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