Pension Planners
Pensions are categorically not boring!
How would you react if someone offered to pay you at least £20 for every £80 you invested with them? Open an account and start investing right away? Or assume it’s a scam and call the police? Well, if you set up a private pension, the Government will give you that money back (and possibly an extra £20 or £25!) in the form of tax relief. And we promise you that’s not a scam!
A little pension planning goes a long way
What kind of life do you want for yourself in retirement? And how will you provide it? Hard questions. Even some of us who are retired still don't know the answers! But it doesn't stop us from planning. And with the how-to tips and tools on these pages, it's easier than ever to make better choices.
We'll guide you through the stages of saving for retirement
Explain the different pension types you can choose from
Share your questions with pensions experts
Watch the video below from our Founder and CEO, Holly Mackay, explaining what the Pension Planners tribe is all about.
Your future is in your hands. What will you do with it?
When work ends, life goes on.
Open a SIPP (Self-Invested Personal Pension) and get instant tax relief on whatever you put in. Beat inflation and make your money work harder for your retirement.
*read the small print... this is pensions!
Hear it from the experts - what to do next with your pension
Learn AND laugh about pensions with audio guides from Holly Mackay, Founder of Boring Money, and Tom Selby, Pensions Expert at AJ Bell Youinvest.
Saving for a pension in your early 40s
Tom suggests that you shouldn't panic and stick your head in the sand when planning your pension. You may feel like you've left it too late in your early 40s, but you may still have 20 or 25 years of saving ahead of you. Listen to the full conversation below.
Saving for a pension in your late 50s
At this stage, Tom suggests that you should sit down and take a bit of time to plan what you're going to do with your savings. When you decide when to convert them to an income, you need to know which products are going to deliver that and what sort of income you want. Listen to the full conversation below.
Pension Planning: when retired
When you're retired and drawing an income from your pension, you need to stay engaged with your investments, for example, by managing how much you take out, Tom says. If you don't want to stay engaged, you could consider an annuity, which creates a guaranteed stream of income. Listen to the full conversation below.
Top 5 planning priorities by life-stage
Timeframes are important when investing, so what changes if you have 5 years or 50 to retirement?
Detailed pension guides that just make sense
What are the different types of pension product available? And which ones do I need?
• Simple to start from around £50 a month
• Set up regular payments and you won't even have to look at it for decades
• If you put in 5% of your wages, your employer puts in an extra 3%
• You may already have a default option
• Find out how you should bother with a SIPP and what your retirement options are
• If you're a higher rate taxpayer, you could pay just £60 to achieve £100 in pension savings
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