The value of your investments can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

Get retirement ready

In the years leading up to retirement, you might start to wonder if you have saved enough to retire comfortably and thought about everything you need to consider.

This handy checklist breaks down the key things you need to think about and do. We want to help you make sure you're ready to retire when it’s the right time for you.

Don't worry if you feel you’ve missed a step or if you're unsure. We've included links to handy guides you can read for more information.

Getting ready for retirement checklist

More help with retirement

Find out what you can do with your pension money

Get a snapshot of your choices with our retirement options tool.

Make your action plan

Retirement? Where do I even start?

Our retirement advisers will help you make the most of your money - and your future.

Find out about Retirement Advice

If you're not sure, get impartial advice

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We recommend you seek appropriate guidance or advice before you make any decisions. An adviser is likely to 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 (call charges can vary). Make sure you understand all your retirement options by reading the Money Advice Service guide - Your pension - it's time to choose.


More about getting ready for retirement

We have even more guides and helpful insights to help you understand retirement.