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We know that if anyone's going to provide for our later years, it's us. You can't live on a State Pension alone, so we're taking our financial futures into our own hands.
Some of us are retired already. Some of us are a lifetime away. All of us are planning ahead.
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
Your future is in your hands. What will you do with it?
Free money: get an extra £20 on every £80 you save*
Tax benefits: high rate taxpayers get an additional £20 or £25 on top
Time lock: Money locked away until you’re 55+ (57 from 2028)
*read the small print... this is pensions!
Learn AND laugh about pensions with audio guides from Holly Mackay, Founder of Boring Money, and Tom Selby, Pensions Expert at AJ Bell Youinvest.
Timeframes are important when investing, so what changes if you have 5 years or 50 to retirement?
AJ Bell pension experts and Independent Financial Advisors answer questions from our Pension Planners. Meet the experts.
David, 64, asks...
Is it a good idea to move some of my pension into sustainable investments in the run-up to my retirement in a few years?
Alex, 31, asks...
What fees and charges should I prepare for if I choose a Self-Invested Personal Pension (SIPP)?
Jan & Ian, 57, ask...
Is it worth us investing around 10% of our cash pension pot when we're already semi-retired?
Michelle, 55, asks...
I have multiple pensions with different providers - should I combine them?
Paul, 47, asks...
How can I check if my pension charges and performance are comparable across the market?
Elena, 26, asks...
How can I switch from the default plan my workplace pension came with?
Alison, 44, asks...
Is it a bad idea to have your ISA and pension with the same provider?
Sarah, 38, asks...
What's a good pension provider for someone who is self-employed? Or would a LISA be better?
Victoria, 50, asks...
Do I have to top up my National Insurance contributions to get the full state pension?
Having a pension is one thing, but how do people use them? We ask two AJ Bell Youinvest customers about their experiences.
What are the different types of pension product available? And which ones do I need?
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
'Self Invested Personal Pensions'
• How to open, transfer and save into a pension where you choose your own investments
• Your options at retirement
100% independent reviews of your Pension Choices
Compare the market, read customer reviews and see what Boring Money has to say.