Is my pension on track?

Your pension is a great way to save for retirement, but it’s important to check it’s working hard to make your retirement plans a reality.

You're in control of your pension pot

How it performs depends on how much you put in, where it's invested and how much risk you're comfortable taking with it. Remember, your pension is flexible and you can make regular payments, lump sum investments or transfer monies from another pension provider. You should note that transferring pensions may not be right for everyone; there's lots to consider.

Review your pension in four simple steps

1. Understand what you have

It’s a good idea to keep track of how your pension is performing. You can easily track how your pension is doing online, or using our mobile app.


2. Review your investments

Where your pension is invested could have a significant impact on your final pension pot. It’s a good idea to review your investments regularly to check you’re still on track. You can review your investments online.

If you have any questions, speak to your financial adviser.

3. Top up your pension payments

HMRC tops up all your pension payments so increasing your payments could be a great way to invest for retirement. Small changes can lead to big results.

There’s no guarantee of this. The value can go down as well as up and you may get back less than was paid in.

Or call us on 0345 272 8810

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4. Bring your pensions together

If you have different pension pots, combining them could make them easier to manage and could make real financial sense. It’s easy to do with our free pension transfer service. We'll talk you through all the considerations and help you every step of the way.

Some pensions offer valuable benefits and guarantees, which you would lose if you choose to transfer; there’s also no guarantee of a better pension as a result. You need to decide if transferring is right for you, as it won’t be right for everyone.

Or call us on 0345 272 8810

Call charges will vary.