Whether you're saving for life in retirement or want to save money for long-term goals, our guides, products and tools can help you save efficiently for the future. From Stocks & Shares Individual Savings Account (ISA) to personal pensions there's a range of options for your needs.
Pensions are a tax-efficient way to save for retirement. We can help you get a pension plan, prepare for retirement, and understand the ways you can take your pension money when you come to retire.
We believe good financial advice can make a difference when it comes to achieving your goals. In this section you can find out what you could gain from taking financial advice, when you might need it and how to find the right adviser for you
Our helpful articles are full of tips and information to help you make the most of your money. Whether you're starting to save for life's big moments or you're getting close to retirement, there's something for everyone.
Whether you're an existing customer or new to Standard Life, we're here to help you. We have information to help you contact us, get the most out of our website and find the information you need.
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Understanding investments and ways to save smarter
Manage your money with these tools and calculators
Save money for retirement and your long-term goals
Invest money flexibly with a range of investment options
Understanding pensions and planning for retirement
See if your pension savings are on track and more
Understand the different types and what you can do
Explore ways to take your savings at retirement
Get started with financial advice
Find out how you could benefit from working with a financial adviser
Speak to one of our specialist retirement advisers
Get professional advice from 1825, our financial planning business
Tips to help you start saving for big life moments and ways to keep on track with your goals
Find out how to make the most of your regular income with these helpful money guides
Learn more about retirement planning and how to take your life savings
Need to speak with us? Find the best way to contact us.
Find out how we can support a range of your needs
Learn more about our services and manage your account
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We’ve recently become aware of several websites for fake companies imitating our brand, offering investments with attractive high rates of return. Investing in any fake products will mean that you will not have any protection and will most likely lose your investment. Our businesses work with law enforcement and the Financial Conduct Authority (FCA) to remove sites and close down criminal operations – but it’s worth being aware and thinking carefully before you make any investment.
Read our tips below for how to spot a scam and remember: if it looks to good to be true, it probably is.
These sites can be reached through searching online, as well as directly. The criminals behind the fake websites pay for adverts on Google and other search engines, and we’ve also had reports of fake comparison websites being set up to hook people in.
Scammers will often ‘phish’ for your information or ask you to re-invest your money elsewhere, and many scams look convincing. To help protect your life savings from scams, many of our customers find it helpful to follow these 3 steps:
• Anyone offering to free up your pension pot before you’re 55 is likely to be fraudulent
• Any company offering you a free pension review is unlikely to be authorised by the Financial Conduct Authority (FCA), although they may falsely claim to be
• If you've felt pressure to make a quick decision or have been told this is a limited offer then it may not be genuine - for example, scammers have been known to send documents by courier, who will wait while you sign them
• If you’ve been offered high returns with minimal risk or been charged upfront fees, this may be fraudulent and it’s okay to reject, refuse or ignore these requests.
As you may know, many fraudsters are convincing and look legitimate. If you have any concerns, you can check whether the company is genuine at fca.org.uk/scamsmart.
Your help in policing these issues will be invaluable in preventing other people, including the elderly and those who are more vulnerable, from falling prey to these fraudulent and criminal activities.
Remember, we'll never call you and ask you to login to your account, or send you an email asking for security details or other confidential information.
This website describes products and services provided by Standard Life Assurance Limited (part of the Phoenix Group) and subsidiaries of the Standard Life Aberdeen Group. The Standard Life Aberdeen Group and the Phoenix Group are in a strategic partnership – learn more about the products and services provided by each company.
Standard Life Assurance Limited continues to use the Standard Life brand, but products and services under this brand are provided by different companies:
Pensions
All the pension products on this website are provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Advice
Where we mention financial advice from Standard Life on this website, the advice services are provided by the Standard Life Aberdeen Group.
Our Retirement Advice service is provided by Standard Life Client Management Limited. Standard Life Client Management Limited is registered in Scotland (SC193444) at 1 George Street, Edinburgh, EH2 2LL. Standard Life Client Management Limited is authorised and regulated by the Financial Conduct Authority.
We also refer to advice from 1825 on this website. '1825' is a trading name used by 1825 Financial Planning and Advice Ltd, which is part of the Standard Life Aberdeen group. 1825 Financial Planning and Advice Ltd is registered in England (01447544) at 14th Floor 30 St. Mary Axe, London, England, EC3A 8BF and is authorised and regulated by the Financial Conduct Authority.
ISAs
The Standard Life Stocks & Shares ISA and Personal Portfolio are provided by Standard Life Savings Limited, which is part of the Standard Life Aberdeen Group.
Standard Life Savings Limited is registered in Scotland (SC180203) at 1 George Street, Edinburgh, United Kingdom, EH2 2LL. Standard Life Savings Limited is authorised and regulated by the Financial Conduct Authority.
The Standard Life Self Investor ISA and Trading Account are provided by Elevate Portfolio Services Limited, which is part of the Standard Life Aberdeen Group.
Elevate Portfolio Services Limited is registered in England (01128611) at Bow Bells House, 1 Bread Street, London, EC4M 9HH. Elevate Portfolio Services Limited is authorised and regulated by the Financial Conduct Authority.
Bonds
Our Onshore Bond products are also provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
Our Offshore Bond is provided by Standard Life International dac, which is part of the Phoenix Group.
Standard Life International dac is authorised and regulated by the Central Bank of Ireland and subject to limited regulation in the UK by the Financial Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
Standard Life International dac is a designated activity company limited by shares and registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin.
Equity Release
Standard Life Equity Release is provided by Age Partnership Limited. Standard Life Client Management acts as an introducer and refers customers to Age Partnership Limited.
Age Partnership Limited (registered in England (5265969) at 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB). Age Partnership is authorised and regulated by the Financial Conduct Authority. Their FCA register number is 425432.
With-profits investments
The with-profits investments on this site are provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
For more information please read our Service and Provider Information page.
© 2021 Standard Life Aberdeen