We’re committed to supporting you throughout times of uncertainty. From the rise in the cost of living, protecting yourself from fraud and understanding the impact of global events on long term savings. We’ve put together information and insight to support you during times of market volatility.

Visit the hub


The Scottish Widows App is available for download now. It allows you to see how much is in your pension and your recent payments, so you know if you’re on track. And it’s so easy to use. All you need to register is your National Insurance number and your pension number. If you don’t have your pension number, you can use your postcode.

 Download on the App Store Get it on Google Play

Find out more

Welcome to your pension

An introduction to your new Scottish Widows Master Trust pension

Watch this short film where Craig Prendergast, Human Resources at ABB, explains more about the move to the Scottish Widows Master Trust and what the changes mean for you and your pension.

We’ve also recorded an Introduction to the Scottish Widows Master Trust presentation, which you can watch here. During the presentation, you’ll hear what your new pension offers you and how this could help you save for the future. 

To help you get set up online, view and manage your retirement savings, we have also created this handy new joiner guide (PDF, 3MB). 


It can be easy to lose track of pensions.  

Maybe you've moved jobs or house a few times. There's lots you can do to make sure you're in touch with pensions that could boost your income when you retire. 

What happens when you transfer

You’re a member of the Scottish Widows Master Trust. This pension scheme is governed by a board of trustees and administered by us on their behalf.

When you ask us to start a transfer, we’ll do this on behalf of the trustees of your Master Trust. In the declarations section of the application, references to ‘Scottish Widows’ mean the trustees of the Scottish Widows Master Trust.

How we manage your details

During this process, we'll ask you to provide some personal details. You can read about how the trustees manage this information in their data privacy notice. You'll find this in your key documents library.

Get started

Your investment choices

You will automatically be invested in the Scottish Widows Master Trust default investment option which is one of our Pension Investment Approaches (PIAs), Adventurous - Targeting Flexible Access.

Visit the documents section for more information on the default investment option alongside the alternative investment options available to you.


You can find full details of fund choices and charges in Your investment choices and charges (PDF, 241KB)

Further information on your alternative fund choices can be found here:


We're increasingly focused on investing responsibly to help grow your pension savings and providing us all with a future worth retiring into.



Watch now

We've Made It Easier To Nominate Your Beneficiaries

In the event of your death, the funds in your pension plan are payable to your beneficiaries.  You can find more information in the Death Benefits Factsheet (PDF, 222KB) and by watching our What happens to money left in my pension pot when I die film.

To make sure that the money goes to those you choose, please complete a nomination and keep this up to date. It only takes a few minutes, just log in and go to your 'Personal Details' page. 

Log in to nominate


All your important documents in one place

Everything you need to know about your pension. Read about its features and our investment guides. You'll also find details about how you can take your pension when the time comes.


What might your retirement look like?

As you start thinking about retirement, it’s time to look at your pensions and savings.  Will you have enough for the future?



The experts at the Pensions and Lifetime Savings Association have published a set of retirement living standard to help you picture your retirement and what it might cost. They are pitched at three levels, (minimum, moderate and comfortable) based on a basket of goods and services, from food and drink to holidays.

Meet your future self

Do you know if you’re saving enough for the future? This interactive tool from Scottish Widows lets you see what you could look like when you retire, what the value of your pension might be, and what you should do next.

Meet Your Future Self

Helping you prepare for retirement

Whether you’re close to retirement or it’s still a long way off, it’s important to plan for the kind of lifestyle you want when you retire, and there are different ways in which you can use your pension benefits. The Normal Minimum Pension Age will be changing from 55 to 57 from 2028.

Pension Planning

Pension Options


Financial wellbeing has never been more important. With many people’s finances under pressure from the rise in the cost of living, we’re committed to supporting you during these challenging times, and to help you take control of your finances. When we are on top of our money, we feel better.

Our Be Money Well site can help you manage your financial commitments and plan for the future you want.

The site also has a dedicated section to develop your digital skills and help you manage your finances online.


Take a look at our reports for the latest retirement insights

Reading a retiremement report


In this report we have redefined what it means to save for a comfortable retirement, and what steps need to be taken to do so. We also look at the specific challenges some groups face.

Retirement report (PDF, 6MB) PDF opens in new window
Lady in a dress shop


In what has been an unprecedented year for all of us, we look at how women feel about their future retirement prospects and we examine the progress that has been made in the last 17 years of our Women and Retirement reports.

Women & retirement (PDF 3MB) PDF opens in new window
Couple planning to save for newborn


In Britain we're not saving enough to protect our financial futures. In this report, we set out a series of potential policy changes, which, if implemented as a package, could make a significant difference.

Help Britain save (PDF, 3MB) PDF opens in new window