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Discover Pensions

Welcome to our comprehensive pension information centre, the perfect starting point for your journey into understanding and managing pensions. With distinct sections on Managing Pensions, Pension Basics, Pension Benefits, Pension Advice, and Types of Pensions, we provide you with detailed insights into every facet of pensions.

Whether you're a novice looking to grasp the fundamentals or an experienced individual searching for advanced information, our resource is for everyone. Navigate the complexities of pensions, understand their numerous benefits, get insights on pension management, and explore the different types available. Embark on this educational journey with us, as we aim to empower you to make informed decisions for a secure retirement.

All your pension questions answered

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Managing Pensions

Pension Basics

Pension Benefits

Types of Pensions

Retirement planning is essential for being as financially comfortable as possible during later life. It doesn’t matter whether you’re 20 or 50, everyone should be thinking about how to prepare for retirement. It’s not just a matter of saving as much money as possible, it’s about being financially savvy and in the know! As the...

The power of planning ahead

Your State Pension age is set by the government and is the age at which you can start receiving an income from the State Pension. This is currently set at 66 for both men and women. Due to a higher life expectancy, the State Pension age is gradually increasing and will be 67 by 2028.

Can...

What is State Pension age?

Many people are used to saving money in a bank account or ISA. When it comes to retirement however, saving in this way won’t leave you in the best position you could possibly be in when you wave goodbye to the 9 to 5.

Pensions are the best tool for saving for those later years. They...

Tax breaks in your pension

There are two main approaches when it comes to investing money in stock markets. Very broadly speaking, one approach in based on the belief that stock markets work, so invest in everything. The second school of thought states that it’s possible to predict what’s going to happen to individual company shares and make investment decisions...

Which investment herd should you follow

Did you know that your employer has to offer you a pension by law. Under auto-enrolment, which was introduced in 2012, employers have to enrol employees into a workplace pension.

Your employer will automatically enrol you into a workplace pension and start contributing as long as the below criteria is met:

Are aged between 22 and State...

NEST Schemes

Combining, or consolidating, your pension means transferring your savings from each of your pension schemes into one, making your money easier to manage. You can do this in a number of ways.

Should I use a financial adviser to combine my pensions?

The best way to combine your pensions is by asking a regulated financial adviser to...

How do I combine my pensions?

Tax relief is a nice extra bonus from the government to help bump up your retirement savings. It is where you receive the income tax you have already paid on the money as an additional payment into your pension.

How does it work?

Whenever you contribute to your pension, be it a regular payment or a one-off,...

How does tax relief work on pension contributions?

Pension freedoms is a piece of legislation introduced by the government in 2015. It allows you to withdraw your pension in more ways than previously possible from the age of 55.

From the age of 55, you can:

Withdraw the first 25% of your pension tax-free

Set up a regular income

Withdraw lump sums as and when you want

Buy...

What is pension freedoms?

What is known as a widow’s pension is the name given to benefits previously offered by the government to provide financial aid when a person’s spouse or partner passes away. In 2001, the widow’s pension was replaced by several bereavement benefits including:

Bereavement allowance

Bereavement support payment

Bereavement payment

Widowed parent’s allowance

A person may be entitled to receive more...

What is a widow’s pension?

If pensions had feelings they would no doubt feel neglected, underestimated and probably misunderstood. Against better advice, most of us tend to spend our lives avoiding talking about them, struggling to make sense of what they can offer us and then, when we really need them…well it may be all a bit too late. It...

What happens to your pension if you get divorced?

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Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: pensionaccess@harbourrockcapital.co.uk

Discover Pensions

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