Learn about the key differences between Self-Assessment and a simple assessment and what they mean for your personal finances.

Learn how to bring your pension pots into one place, the pros and cons and how to consolidate with PensionBee.

A fund fact sheet can tell you a lot: where it invests, how much it costs and what it aims to achieve but what does it all mean?

Unsure what a pension statement is? Find out everything you need to know and see how they can help you plan for retirement.

You can find your National Insurance number on certain tax paperwork, or call HMRC if you’re not sure. Find out more.

Unsure how to certify a document? Find out all you need to know, including how to send it to an organisation such as a pension provider.

Understand what Independent Financial Advisers charge for pension advice. Compare fees, know what to watch out for, and read about alternatives.

Find out what pension management charges are and when they can be collected by your pension provider as well as the impact these can have.

Many don't understand exactly what pensions fees they're paying. Get to grips with the different pension fund charges with our short guide.

You can find pension guidance on sites like Money Helper & Age UK, or you can speak to an independent financial adviser.

A pension calculator is a tool that estimates your projected retirement income based on factors like how much you’re saving.

Are you stuggling to discover what a good pension pot is? Here are some things to consider when deciding how much you need for retirement.

Switching funds is a process that ensures your investments are transferred securely and accurately from one pension plan to another.

Check your pensions to see if you’re saving enough for retirement by looking at annual pension statements or logging into your accounts.

Learn more about how pensions increasingly invest in a variety of asset classes including shares, bonds, property and even things like gold.

Unsure how to choose a pension? Find out more about the important factors to consider, including details like the investment strategy and fees.

Use our special pension benefits glossary to learn how the most common benefits work & see if you still qualify if you transfer a pension.

Find out the meanings of the most commonly used pension terms in our jargon busting pension glossary.

You can get tax relief on money you put into your pension, which effectively means that the government adds money to your pension pot. Read more.

Our straightforward guide tells you all you need to know about pensions and tax, from contribution limits to the tax-free lump sum at retirement.

There are multiple ways in which your pension can grow over time, based on the type of assets in your pension plan.

Active and passive funds are two ways to invest your money in the stock market. We explore how they work and each of their pros and cons.

A pension is a retirement fund built up over the course of your working life. You make regular contributions and typically the money is invested.

A pension fund is a product that invests the money you save for retirement. Find out more about how they work in our jargon-free guide.

A pension can support you in later life, so it's important to know what they are and how they work. Discover more about the different types.

Understanding the two main approaches to sustainable investing: exclusion and engagement. What they mean, how they differ, and how they can help align your investments with your values and long-term goals.

Find out what decarbonisation pathways are.

Find out what a responsible investment fund is and discover how it prioritises environmental, social and governance considerations.

As concerns about climate change grow, the financial system is responding with new ways to reduce carbon emissions within investment portfolios.

Learn more about the approach that aims to achieve financial returns while only investing in companies that comply with Islamic finance principles.

Find out more about climate investing as a sustainable investment for your pension. `Learn more.

Impact investing aims to generate financial returns while also creating a positive impact for society and the environment. Learn more.

Sustainable investing prioritises funding companies that consider their long-term impact on people and the environment. Learn more.

Environmental, social, and governance (ESG) criteria are a group of standards used by socially conscious investors to screen investments.

A socially responsible investment strategy seeks to consider both financial returns and positive social outcomes.

Learn how your maternity, paternity, or adoption leave can impact your pension and what to do next to maintain pension contributions.

Pension overpayment can occur when you accidentally receive a higher pension income than has been agreed.

Pension carry forward allows you to make pension contributions over the annual allowance and still receive tax relief.

Find out how employer matched pension contributions work and what impact increased contributions could have on your workplace pension.

How much can you contribute to your pension in the current tax year and still benefit from tax relief? Read our jargon-free overview.

There’s no cap on how much money taxpayers can pay into a pension each year, but there is a tax-free allowance of ^{_annual_allowance} that applies.

If you match certain criteria you might be able to top up your State Pension. Find out more, as well as how to top up a private pension.

The government makes contributions to your pension in the form of tax relief. Find out more in our guide to government pension contributions.

You can pay a lump sum into a pension plan as you wish, in addition to any regular payments. However, there can be tax implications. Find out more.

As a rough guide, it's sometimes suggested that money equivalent to around 15% of your annual salary should be tucked away into your pension.

We all know it's sensible to start a pension, but when exactly is the best time to start saving? Find out in our short guide.

Learn how to check your pension contributions, whether it's your personal, workplace or State Pension.

When you save into a pension, you can currently get tax relief on gross contributions up to £60,000 or 100% of your income.

If you're self-employed, you might be wondering if retirement saving is easier as a sole trader or a limited company. Find out what to think about in this article.

Choosing a pension is an important part of retirement planning as a self-employed person. Learn the differences between a SIPP and defined contribution pension in our guide.

Semi-retirement can provide flexibility to how you work later in your career. In this guide, discover how you could semi-retire if you're self-employed.

Learn how to plan for retirement when self-employed. This guide covers pension options and saving strategies to help support your financial future.

Learn why starting your self-employed pension contributions early can boost your retirement pot. Understand the benefits of tax relief, contribution limits and flexible saving.

There's no limit on how much money you can pay into your pension each year. However, there’s a limit to how much is tax-free. This is known as the annual allowance and is a cap on how much you can pay in each year and still benefit from pension tax relief.

Yes, you can pause your self-employed pension contributions. Most providers, including PensionBee, make it simple to stop or reduce payments. Your savings stay invested, but you’ll stop receiving tax relief and may miss out on potential investment growth from new contributions. If you’re self-employed, your income may not always arrive in neat, regular pay packets. Some months feel comfortable, while others can be a squeeze. That’s why having the flexibility to pause contributions can be useful. But it’s worth knowing what happens when you do, and how to keep your retirement goals on track.

If you have a limited company you can contribute to your pension through it, as an allowable business expense. Find out more.

You can benefit from generous tax relief and other perks by setting up a private pension. Find out more about private pensions for the self-employed.

Contractors can build their retirement savings with a flexible pension that fits how they work. Find out about tax relief, combining old pots and more.

Understand what a SIPP is, how self-invested personal pensions work, and the potential benefits of transferring or moving your pension into a SIPP.

If you’re self-employed, you can set up a personal pension to save for your retirement. You can add regular or ad hoc contributions.

Learn how to find the best pension for your needs and what you can do to grow your savings without input from an employer.

Learn more about how the way divorce affects your State Pension will depend on when you reached or will reach your State Pension age.

Find out more about the latest UK pension legislation changes and what they mean for your pension.

A Pension Attachment Orders and Earmarking redirects part or all of the member's pension benefits to the ex-spouse or civil partner.

Find out how with a Pension Sharing Order, a court may order your use a Pension Sharing Order with a former partner to split their pension with you.

Find out how when you enter a marriage or civil partnership there can be legal consequences that may impact your pension.

Find out how long after a divorce you can claim your ex-partner’s pension and what rules apply.

If you’re facing long-term illness or disability, you may be able to access your pension early through medical retirement.

If you're retired and go into hospital, you'll continue to receive your workplace pension and State Pension income as normal. Learn more.

Learn what a widows pension is and discover the eligibility criteria for bereavement benefits from the government.

When you die your beneficiaries may be able to access your pension depending on your age and the pension itself. Find out more.

When you die your spouse, civil partner or beneficiaries may be able to access your pension. Find out more.

The Pensions Regulator is the UK public body that regulates work-based pension schemes. Find out more.

Find out what the Pensions Ombudsman is and how they can help you if you have a complaint about your pension scheme.

Find out what the Financial Services Compensation Scheme (FSCS) is and how it can help you.

The Pension Protection Fund is a fund that can pay compensation to members of defined benefit pension schemes, if the employer goes bust.

Find out what the WASPI campaign is about, how pension age changes have affected women born in the 1950s, and what support is available.

Protected Pension Age (PPA) is a rule in the UK that allows some people to access their workplace pension before the Normal Minimum Pension Age (NMPA).

Find out how IR35 legislation has an effect on pension contributions and what this means for you.

The term 'capital at risk' is often used by financial institutions when promoting their product or service. But what does it mean?

If you’re living abroad, finding your old pensions can be a headache. Here’s how PensionBee can help, no matter where you are in the world.

If you’re made redundant, your employer will stop making payments into your workplace pension. Find out what you can do.

If you declare yourself bankrupt, any pensions you have could be affected. Learn about rules that could apply.

Pension clawback involves cutting a former employee's company pension on the grounds that they also receive the state pension.

The law now obliges every workplace to offer a workplace pension scheme and to make contributions to employee pension plans.

SERPS is a government-run Additional State Pension scheme. If you qualify for SERPS you could increase your retirement income.

Pension Credit is a benefit you may be eligible to receive if you’re retired and earn below a certain income threshold. Learn about the different types.

You have to be a certain age to claim the State Pension and a certain age to access your personal and workplace pensions. Learn more.

Find out more about the latest UK pension legislation changes and what they mean for your pension.

Find out what a crystallised pension is, how you can gain access, and understand the rules around withdrawals.

Find out what a capped drawdown pension is and how it works, including the impact of exceeding your withdrawal cap.

Flexi-access drawdown is one of the ways to use your pension money when you reach retirement. Find out how it works.

A pension annuity is a financial product that pays you a guaranteed income for a fixed period or for the rest of your life. Find out more.

Find out what a drawdown pension is and how it can enable you to flexibly access your pension in retirement.

Unsure whether you should draw down or buy an annuity? Find out more about the benefits and drawbacks of each and see how they differ.

Under UK law all employers must offer a workplace pension and automatically enrol their eligible workers in the scheme.

Find out what a salary sacrifice pension is and how it works. Discover the tax benefits it can provide and the pros and cons.

Find out what a SSAS pension is and how they work. Learn what rules apply and the learn more about the flexibility they can provide.

An AVC pension is an 'additional voluntary contribution' pension that you can build alongside your workplace pension scheme.

If you’ve worked in the public sector, you may have a public sector pension. Find out what a public sector pension is and how they tend to be different.

Find out what a stakeholder pension is and learn how anyone can invest in one, whether they are in permanent work, self-employed or unemployed.

Workplace pensions are arranged by your employer, with contributions taken directly from your wages and paid into your pension.

Private pensions work in a similar way to workplace pensions, but are set up by you rather than your employer.

A personal pension is a saving product that you can set up yourself to save for your retirement.

The State Pension is a regular payment that some retirees receive after meeting the UK government’s eligibility criteria. Find out more.

The State Pension is a regular payment you can receive from the government once you reach State Pension age. Find out more.

Find out how defined benefit pensions differ from defined contribution pensions, for better and worse.

A defined benefit pension or 'final salary pension' is one that pays you an income on retirement based on your most recent previous salary.

With defined contribution pensions you and your employer contribute, then your pension provider claims tax relief on your behalf.

The normal minimum pension age is set to rise to 57 from 6 April 2028. Find out why this could be important if you were born between 6 April 1971 and 5 April 1973.

The money purchase annual allowance (MPAA) restricts how much money you can pay into your defined contribution pension tax-free.

Learn what the early pension release rules are and discover the eligibility criteria, as well as tax implications of withdrawing your pension before 55.

Find out how emergency tax on pension withdrawals works and what you should look out for when withdrawing a lump-sum from your pension.

When you reach retirement, income drawdown is one of the ways to use your pension money. Find out more about how pension drawdown tax works.

With income drawdown the cost can vary greatly, depending on the provider you choose, so it’s wise to look for any fees. Find out more.

Find out the key things you should consider before taking an early pension, and see whether retirement makes sense.

The 4% rule can help you figure out how much money you can take from your pension each year, without running out of money.

Investment Pathways provide a structured approach to managing pension savings as you transition into retirement.

Unsure when you can claim your pension? See how it works differently, depending on whether it's a workplace, personal or State Pension.

When you reach retirement, income drawdown is one way to use your pension money. Learn more and weigh up the pros and cons.

Find out what a deferred pension is and how it can help your pension grow. Learn what types of pensions you can defer.

Once you reach the age of 55 (rising to 57 in 2028) you’ll have the option of taking some or all of your pension out in cash, referred to as a lump sum.

Read about the lump sum allowance, the lump sum and death benefit allowance and the overseas transfer allowance.

Find out what the pension lifetime allowance was and the allowances that have replaced it.

Read our guide to cashing in your pension to find out more about when you can start to withdraw money and the effect this may have.

Whether you’re approaching retirement or are just thinking ahead, there are several options when withdrawing money from a pension fund.

If you have several pension pots, consolidating your pensions can be a good way to get on top of your retirement savings.

If you’re considering consolidating your pensions, find out how pensions still receiving contributions can impact the transfer process.

If you’re planning on transferring your pension, learn more about how the 2021 anti-scams legislation could impact you.

Some pension providers may invest your money in a With-Profits fund. Learn more about what With-Profits pensions funds are.

Some older pension types may contain valuable special benefits or exit fees. Learn how we handle these when transferring a pension to us.

Some older pension types may charge an exit fee when you transfer a pension. Learn what an exit fee is and its potential impact on your pension.

A Recognised Overseas Pension Schemes, or 'ROPS', can in fact be transferred back to the UK. Find out more.

Do you have old pensions from previous employment? Find out what a frozen pension is and what your frozen pension options are.

Before you transfer your pension you should investigate what fees you’ll be charged and if there are any restrictions.

Find out why your pension transfer’s taking so long and if there’s anything you can do to speed up the process.

What should you bear in mind when you transfer a pension? Find out more about the things you should consider.

You can transfer your UK pension pot into another registered UK pension scheme, or an overseas option if you're moving abroad. Learn more.

If you’re thinking of moving abroad, or indeed moving back to the UK, learn more about how overseas pension transfers work.

Find out what you can do to better manage your old pensions, as we explain what happens to your pension if you leave a company.

Learn how to find a pension number, including where you can find it on your pension paperwork and who to contact for help.

You can use the Pension Tracing Service to locate an old pension and find out the contact details for a pension scheme.

To find your pensions, you'll need to contact your pension provider or your former employer. There are also other ways to find your pensions.

From mortgages to credit cards, taking debt into retirement can strain your later-life income. Find out how you could handle debt before you retire in this guide.

From when you want to retire to how you want to spend your time, the length of your retirement depends on many factors. Find out more in our guide.

Securing your financial wellbeing is always important, but especially in later life. Find out how to improve your financial wellbeing for retirement in our guide.

Semi-retirement can offer the flexibility for you to work less as you enter your retirement years. Find out what you need to know about semi-retirement.

Discover the different options for turning your pension into an income in retirement. Explore annuities, drawdown and mixed strategies to find what works for you.

Understand the UK's Retirement Living Standards and how much income you need for a minimum, moderate or comfortable lifestyle.

Planning for retirement may feel like a distant goal, but the sooner you start, the more options you’ll have. Some of the best ways to save for retirement include making full use of your pension tax relief and employer contributions. Plus, considering other long-term savings accounts like Lifetime ISAs or Cash ISAs. Starting early gives your savings more time and opportunity to grow, but reviewing old pensions and topping up contributions can help at any age.

A target date fund is a type of pension fund that adjusts the mix of your investments in anticipation of your expected retirement date. Learn more.

If stress, anxiety and depression get the better of you there are some coping mechanisms which can help you prepare for these in retirement.

Find out what it costs to retire in England, Scotland, Wales and Northern Ireland. The results could surprise you.

If you are still working and decide to start drawing your pension, there are likely to be tax implications. Find out what may be due.

Some or all of your pension can be used to buy an annuity but whether it’s the right option for you depends on your circumstances.

If you're thinking of accessing your pension while you're still working, read more to learn about the pros and cons of doing so.

Learn how to build a retirement budget, estimate living costs and balance pension income.

Homeowners can release some of the value of their property (equity) to top up their savings but having retirement savings is still crucial.

Flexible retirement schemes allow a change in mindset when it comes to reducing working hours leading up to retirement.

Pension liberation is normally linked to fraud and accessing pension benefits early. Here we explain what it is and what to be aware of.

If you can’t do your normal job because you’re physically or mentally ill, it may be possible to take ill health retirement. Learn more.

Financial decisions aren't easy and planning your retirement’s no different. Take a look at our checklist to help make your retirement plan.

With a decade or so to prepare for your retirement, find out what you need to know.

When you get to your 40s, you may feel at a crossroads between financial commitments in the present and starting to think about saving for retirement.

As you enter your 30s, you may find yourself feeling the pressure to save for your future.

Retirement may seem like a way off when you're in your 20s, but there are ways you can prepare.

Find out what Inheritance Tax is, how to work out what you need to pay and when, and some of the ways you can reduce it.

Losing a loved one is incredibly hard. It’s important to take care of yourself during this challenging time. Here are some practical steps to consider.

Find out a breakdown of funeral costs and a few ways to help you plan a meaningful yet affordable funeral.

Writing a comprehensive will is one of the most important things you can do to ensure your wishes are carried out and your loved ones are provided for.

When an elderly or disabled loved one needs extra support, choosing between care homes and home care can be a difficult decision. Learn more.

If you look after a partner, relative or friend who's ill or disabled, you may have a lot of questions.

If you’re registered as disabled you could get Disability Living Allowance, a tax-free benefit for those who need help with mobility or care costs.

Power of attorney gives someone you trust the legal authority to make decisions on your behalf if you become unable to do so yourself.

Find out how finances can be split in a divorce in the UK and what you can do to protect your retirement savings.

Divorce is never easy, but it can be especially complicated when it comes to pensions. Learn about some of the main issues to consider.

Once you’ve come to the end of your parental leave, it may be necessary to start thinking about continued childcare for your children. Learn about your options.

There are some ways in which you can get government support to pay for your childcare.

Childcare can be expensive, but there are different types and ways to get help with costs. Learn more about your options.

For those expecting a new arrival, it helps to plan and prepare for the exciting journey ahead. Here’s an overview of what to expect.

If you’re expecting a baby, adopting a child or using a surrogate to have a baby, you may be able to take Shared Parental Leave.

If you're planning to adopt a child in the UK, you might be wondering what your rights are for parental leave and pay. Learn more.

If you're due to become a father in the UK, you might be wondering what your rights are for paternity leave and pay. Learn more.

Learn more about maternity leave and pay and how Statutory Maternity Leave and Pay are two of the most important benefits available to new mothers.

However many books, parenting guides and articles you read, the truth is that nothing can completely prepare you for it.