Making the most of your pension savings

  • 1 in 4 choose to invest with us in retirement*
  • Free online access to your pension
  • Great value with simple charges

Your pension is an investment – its value can go up or down and may be worth less than what was paid in.
Dipping into your pension will reduce its value and you could run out of money. Tax rules can change.


See which options could work for you

Explore your options

A quick and easy way to give you a snapshot of your options and how you can help make the most of your pension.

Explore your options


Get your free personalised report

  • Quickly see what your pension can do for you
  • Get a free personalised report on your options

Managing your tax and allowances

Pensions can be the most tax efficient way to save

  • You benefit from tax relief on contributions
  • Employers often match contributions in a workplace pension
  • From age 55, there’s full flexibility in how you choose to access your pension savings
  • You can pass on your wealth to loved ones


Access your money now or need more help?

Speak to an expert

Our experts can help you decide what's right for you.

Fees may apply. 0800 970 4133 Call charges will vary.

Access your pension online

  • Quick
  • Easy
  • Free

And we'll give you all the information you need every step of the way.

Login to access pension

Find a financial adviser

Find an IFA with Unbiased – a leading professional advice website.

Find out more

Access to impartial guidance

We recommend you seek appropriate guidance or advice before you make any decisions. An adviser may charge a fee for this. You can also get free impartial guidance over the phone or face to face with Pensionwise. Go to or call 0800 138 3944. Make sure you understand all your retirement options by reading the Money Advice Service guide – Your pension - it’s time to choose

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New to Standard Life?

If you buy a pension from Standard Life, it's easy to transfer your pension(s) to us - if it's right for you.

Want to bring your pensions together?

If it’s right for you it’s easy to transfer your other plans to retire with us.

Already accessed your pension?

Log in to see how your plan is doing and how long your money could last.

Keep up-to date with the latest retirement news and expert opinion.


Explore our fixed income and flexible income products.


Make sure you don’t end up paying more tax than you need to.


Take a look at pensions and retirement FAQs.


Attend a free event to learn more about preparing for retirement.

*Interpreted from Money Management survey data, Sept 2015.