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.

Personal pensions explained

Do you know what kind of lifestyle you’d like to have after you stop working? Whether it’s spending more time with your family or seeing the world, a pension plan can help you save money to help fund life in retirement.

There’s a lot to think about when it comes to saving and investing money in a pension plan. That’s why we’ve collated all of our handy pension guides, services and our pension calculator on one clear page.

Pension starter guides

A pension plan can help you save and invest money over the long-term to help fund your life in retirement. As the money in your pension plan is invested, there's more to think about compared to regular savings accounts. Our clear and quick guides can help you understand how to get the most from your pension.

  • Pension Basics

    This starter guide explains what a pension is, how it works and what to think about as you save for retirement.

  • Workplace Pensions Explained

    If you're employed, you may be enrolled in a workplace pension scheme. This guide explains how they work.

  • What is the State Pension?

    What is the current state pension age, how much could you get and how do you make a claim? This guide explains all.

View our pension guides

  • A free, easy way to find old pensions

    If there’s an old pension with your name on it, we’ll help you find it – for free. Then you can combine your plans into one simple plan, if it's right for you.

  • Transfer a pension

    If you're a new or existing customer you can combine your existing pension plans into a single Standard Life plan here.

  • Pension calculator

    Are your pension savings on track? Our quick pension calculator can help you see how much money you could have in retirement.

Getting closer to retirement

As you save money to help fund your life in retirement, it’s worth knowing what your retirement options might be. Our retirement guides and tools can help.