Your future hub

If you think you aren’t saving enough for your future you are not alone. It can be hard to prioritise the future over the day to day and women face some specific challenges when it comes to saving for the long term. We’re working with Mumsnet and bloggers like Mother Pukka and Unmumsy Mum to make it all a bit easier to get to grips with.

 

46% of men aged 20–29 are saving enough for retirement compared to 33% of women*

Blogger Mother Pukka says she’s been putting off thinking about her pension. Read her blog to find out what she thought about the latest stats on how women prepare compared to men.

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Changes to workplace pension contributions

If you have a workplace pension scheme you might want to know more about the changes to minimum contributions. We partnered with Mumsnet for a Facebook Live to talk about the changes and what they could mean for you.

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.

Watch now

Getting started

Everything you need to know to help you get started

 

What kind of saver are you?

Savvy saver, mindflul planner? Knowing what kind of saver you are is a good place to start.

Take our 2 minute quiz
 

Helping you plan

Maternity leave, reduced working hours and childcare costs can all impact your ability to save enough. See how you can plan around key life events.

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Pension wellbeing guide

Our Pension Wellbeing Guide is full of helpful and practical ways to start taking on your future, regardless of where you are in life.

Download now

Planning for life’s key moments

While not just specific to women we know that career breaks, reduced hours, pay gaps and just living life is having an impact on pension savings. See what you can do in our short films.

 

What happens to my pension if I go on maternity leave?

Find out how time off for a baby or to look after a child could affect your pension.

 

What happens to my pensions if I work part time?

Your pension won’t be treated any differently but you may be saving less.

 

What happens to my pension during a divorce?

Pension savings can be forgotten about, but by law they need to be taken into account.

 

How can I save more?

Find out how the changes to workplace contributions could help you save more.

Planning for your future doesn’t have to be overwhelming. Our series of pension basic films start with the basics like ‘what is a pension?’, and ‘how much do you need to start?’.

 

helping women plan for the future

We’ve partnered with Mumsnet to discuss what’s on women’s minds when it comes to saving and tips on how to do it better.

 

Women and retirement report

Our industry leading report looks at what women are saving for retirement. See how you compare.

Read now (pdf)
 

33% of Mumsnetters are not aware that if their partner is working they can ask them to pay into their pension on their behalf while they are on parental leave.**

 

One quarter of women aged 20–29 aren’t saving for their retirement.

The challenges saving for retirement

Together with Mumsnet we take a look at the challenges women can face when they are saving for retirement and how you can be better prepared.

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.

Sources

*Scottish Widows Women and Retirement Report 2018

**www.mumsnet.com

Taking on your future together

Visit our retirement planning hub for more financial planning tools, guidance and support.