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Pensions and retirement

The guides and calculators listed here look at pension scheme types, annuities, tax-free allowances and calculators to estimate pension fund shortfalls and state pension eligibility.

Pension schemes

Registered pension schemes

Schemes to provide pensions are called registered pension schemes. Read more about the four main types of pension scheme available.

Pensions - further details

An individual should be given a pensions system that is as easy to understand as possible, and encourages saving, while preventing abuse by the very wealthy.

Self-directed investments

Self-directed investing is when an investor chooses not to use the services of an adviser, but instead researches and makes investment decisions for themselves.

Self-invested personal pensions (SIPPs)

A SIPP is a personal pension with added flexibility. It puts you in control as you can decide where you want to invest your assets.

Small self-administered pension schemes (SSAS)

A small self-administered pension scheme is an employer-sponsored workplace pension that can provide retirement benefits for up to 12 people.

Anti-avoidance rules

Pension ages (minimum and maximum)

Pensions Life Insurance

Some pension schemes can also be used to provide life insurance.

Pension Fund Projector

Calculate projected fund, projected pension and shortfall figures.

Full Pensions Audit

This calculator will help highlight how close to your target you are with regard to establishing a decent pension.

NEST pensions

Auto-enrolment

An introduction to auto-enrolment

Changing employer

The State Pension

The state pension is just one potential source of income in retirement.

Taking benefits from an arrangement

Benefits can be taken as lump sums and pensions, or as pension drawdown, although the exact makeup of the way you choose to take benefits is quite flexible, so most people should be able to arrange them to suit their particular needs.

Annuities