Lifestyle Hub

Pension freedoms Decisions about how to access your pension pot ‘The secret to happiness is freedom’, wrote the ancient Greek

Pension consolidation Combining existing pensions into a new plan By the time we have been working for a decade or

Self-invested personal pensions Providing greater flexibility with the investments you can choose A self-invested personal pension (SIPP) is a pension

Personal pensions Saving tax-efficiently for retirement A personal pension is a type of defined contribution pension. You choose the provider

Defined benefit pension schemes Paying out a secure income for life which increases each year A defined benefit pension scheme

Defined contribution pension schemes Building up a pot of money to provide an income in retirement With a defined contribution

State Pension An important form of income for many during retirement The new State Pension payments are an important form

Tax relief and pensions Annual and lifetime limits Saving into a pension is one of the most tax-efficient ways to

Leaving retirement money invested Generating income from investments throughout your retirement years The time has finally come, you’re ready to

Staggered retirement A more popular and increasingly common option many are considering Giving up the 9-to-5 doesn’t necessarily mean stopping