If you’re a few years away from retirement there are important decisions that you’ll have to make about your money before you can ditch the daily commute
Pensions & Retirement
Topping up your company pension scheme; AVCs, added years and other options
How much are you paying into your company pension scheme
Should you switch your pension? What to consider if you have a private pension
If you have a private pension — either one that you’ve taken out through your work or directly with an insurance provider — should you switch or transfer it or leave it where it is
If you’ve not made enough National Insurance contributions to get a full state pension, you can top them up.
If you haven’t made enough National Insurance contributions to receive a full state pension, you can top them up
How is your company pension protected by Pension Protection Fund?
If you’ve joined a final salary pension scheme, it’s down to the Pension Protection Fund to pay compensation if your employer goes bust
If you need to invest for income in retirement, how should you start your planning?
If you want to generate income for your retirement, when should you start and what do you need to do
Getting National Insurance credits for your state pension if you’re a carer
If you’re caring for a family member, make sure you don’t miss out on your state pension
How to increase your state pension using your husband’s National Insurance record.
If you haven’t paid enough National Insurance to get a full pension you may be able to claim a pension, worth up to 60% of the full basic state pension, based on your husband’s NI record
How to reduce the risk your pension is taking on as you approach retirement
If you belong to a stock market based workplace pension, it’s a good idea to know how to cut your pension risk as you near retirement. Find out more:
Step one: find out which type of pension scheme you’re in
If you don’t know what type of pension scheme you’ve joined, ask your HR department or the pension scheme administrators
Low earners may miss out on their state pension – find out what you can do
If you’re in a lower paid job and earn less than the National Insurance threshold, which is £113 a week in 2018-18, you won’t build up your basic state pension
Shopping around for a pension income. Make sure you shop around for an annuity if you buy one
If you’re going to use your pension pot to buy an income for life (with an annuity), it’s really important to shop around for the best deal
Understanding the different types of annuity – and getting the best annuity for you
The rules on pensions are being relaxed so you don’t have to buy an annuity with your pension pot when you retire
Choosing a stakeholder pension; how to find the best stakeholder pension and where to get help
If you want to choose a stakeholder pension plan, how do you go about it
Stakeholder pensions: a beginner’s guide to stakeholder pensions
Stakeholder pensions were introduced as a solution to the problem of millions of us not saving enough for our retirement
Make sure you monitor and review your pension so you know it’s on track
Congratulations
How to save for your retirement if you can’t join a workplace pension.
If you can’t join a workplace pension, either because your employer doesn’t offer one or because you work for yourself, you can still save for your retirement
How to avoid risks, the wrong products and scams once you retire.
For most of us, reaching retirement marks more than one milestone
Understanding risk in retirement; how not to take on too much risk once you’ve retired.
When you retire you leave behind the daily grind of the nine-to-five, but it doesn’t necessarily mean one long holiday for the rest of your life
How to claim your state pension; what you need to know
When you reach state pension age, that’s when you can start receiving your state pension
Finding a lost pension plan
If you’ve lost track of a pension, perhaps because you only saved a relatively small amount in it or because the company you were employed by has been taken over, it’s still possible to find it
About Sarah Pennells
SavvyWoman is a money website aimed at helping women everywhere become a little richer.
It’s the brainchild of Sarah Pennells, who is a well known personal finance journalist and broadcaster. SavvyWoman has been named as 5th in ‘The Times’ newspaper list of ‘50 top websites to save you money’.
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Sarah specialises in explaining complex subjects in an accessible and engaging way.
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