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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 £20 or £25 more) 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?

Learning the basics of pensions

Introducing private pensions and SIPPs

• Simple to start from around £50 a month

• Set up regular payments and you won't even have to look at it for decades

Getting employee benefits

How workplace pensions work

• If you put in 5% of your wages, your employer puts in an extra 3%

• You may already have a default option

What is a SIPP?

The ultimate guide to understanding SIPP

• 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

Compare SIPPs and calculate pension fees

100% independent reviews of 20+ pension providers

Compare the market. Find out what pension planners have to say about their SIPPs. Read Boring Money's verdict.

Just want to check costs? Use the SIPP calculator

Buy your future.

Take care of your pension now. So it can take care of you later. Open a SIPP and get instant tax relief on your contributions.

Sign up here!

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