Pensions and retirement planning

Helpful tips and guidance for making the most of your money

Our pension guides are designed to help you get a clear idea of how pensions work, help you understand pension contributions and tax relief, and provide helpful information about the different ways of managing and withdrawing money from your pension pot.

If you are looking to learn more about how to make the most of your retirement options and how to manage your money in retirement we’ve got plenty of information to get you started.

As a journalistic site, it’s important to remember that we do not provide financial advice and you should always do your own research before deciding on a specific course of action. If you are looking to speak to a qualified financial advisor, you can find one on VouchedFor or Unbiased.co.uk, or for more information, check out our guide on How to find the right financial advisor for you.

If you think you might benefit from speaking with a financial advisor, VouchedFor is currently offering Rest Less members a free pension check with a local well-rated financial advisor. There’s no obligation, but once you’ve had your check, the advisor will discuss the potential for an ongoing paid relationship if you think it might be useful to you.

Pensions news

The world of pensions is constantly evolving. Here we bring you the latest news updates and insight on what’s happening with pensions and retirement planning.

Pensions: the basics

Learn the basics of retirement planning including making contributions, avoiding scams and the different ways of taking money from your pension. 

Whether you are considering investing in a pension for the first time, want to learn about the various pension terms and schemes, or are self-employed and want to understand your options, our introductory pension guides can help you navigate the world of retirement planning.


Approaching retirement

If you’re approaching retirement and want to understand your options, or simply learn more about how to maximise your pension savings in the final years before retirement – our essential pension guides are designed to help you make informed decisions as you approach your retirement age. 

Getting pension advice

Our pensions are often the most important savings that we’ll make in our lifetime. Given that we rely on our pensions to support us throughout retirement, it’s a good idea to check on them every few years. That way, you can be sure that your finances are on track for the type of lifestyle that you want, and expect later on. If you are looking for help with your pension and want to speak to someone, our helpful guide offers some helpful starting points to make those initial steps a little bit easier. Alternatively, if you’re considering getting professional financial advice, VouchedFor is offering Rest Less members a free pension check with a local advisor. There’s no obligation but once you’ve had your review, the advisor will discuss the potential for an ongoing paid relationship if you think it might be useful to you.

Your options at retirement

There is now a wide variety of ways in which you can start taking your pension benefits. From purchasing an annuity to understanding how pension drawdown works and the knock on impacts of crystallising your pension. If you’re looking to learn more about your options at retirement, we have lots of clearly written guides and information to help you understand the options available to you.

Managing your pension

From learning how to trace lost pensions and weighing the pros and cons of consolidating multiple pension pots to understanding where your pension is invested. Our guides to managing your pension can help you make an informed decision on how best to manage your pension.

Get a free pension check with a trusted, well-rated financial advisor​

If you’re considering getting professional financial advice, VouchedFor, the review website for financial advisors, is offering Rest Less members a free pension check with a local, well-rated financial advisor. There’s no obligation, but once you’ve had your review, the advisor will discuss the potential for an ongoing paid relationship if you think it might be useful.

Get a free pension check with a trusted, well-rated financial advisor​

If you’re considering getting professional financial advice, VouchedFor, the review website for financial advisors, is offering Rest Less members a free pension check with a local, well-rated financial advisor. There’s no obligation, but once you’ve had your review, the advisor will discuss the potential for an ongoing paid relationship if you think it might be useful.

Pension rules, tax relief and allowances

Learn more about the latest in UK pension legislation. From understanding how pension tax relief works to learning more about the various annual and lifetime pension allowances and what happens to our pensions when we die.

Head over to our money community forum and ask a question, or see what other Rest Less members are posting.

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