A pension is a long-term investment. Its value can go down as well as up and could be worth less than was paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK will also have an impact on tax treatment.

Helping you prepare for your future

We’re here to help you save for life after work. We can also help you understand your retirement options so you can pick the one that feels right for you. This page has the main products, services, guides and tools that can help you prepare for life in retirement.

Top up your pension plan

Topping up your pension plan today could make a big difference to the money in your pot. Find out how to top up your personal pension.

Top up your pension plan

Transfer a pension plan

Bringing your other pension plans together into one plan could be an option. It can help you save on charges and make your money easier to manage. Learn more and get started here. Keep in mind it may not be right for everyone.

Start a pension transfer

Find out your retirement income in 5 mins

Get your retirement income report and let us help you put a plan in place.

Start by telling us your age:

Your retirement options

You have options when it comes to taking your pension money. Find out how each of them works and what they could mean for your retirement benefits below. Remember, you don’t have to take your money at 55 (subject to change), you can choose to leave your pension plan invested until you need the money.

Did your adviser recommend your Standard Life pension?

Please speak to your financial adviser if you have any questions.

If you no longer have an adviser and have investments on our Wrap platform (policies beginning with WP) or Elevate platform (policies beginning with EL) please go to our customer platform site for help and information about your pension.

I’m a Wrap customer

I’m an Elevate customer

Pension and Retirement Guides

There’s a lot to think about when getting ready to retire. You also have options when saving money into your pension plan. That’s why we’ve put together a range of quick and clear guides to help you make the most of your money.

Pension and Retirement FAQs

Pension and Retirement Tools

Our tools and calculators can help you see how far your money might go after you retire.


Read more about Pension and Retirement