Guides and tools to help you understand pensions

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A pension is not necessarily what people think it is, and it most certainly isn't just for old people. A pension is essentially a pot where you, and your employer (if it’s a company pension), can pay into - and which you get tax relief on - as a way of saving up for your retirement. Then at retirement, you can draw money from your pension pot in various ways or use the money to buy something called an annuity, which pay a regular income until death. If you have questions about taking your pension, paying into a pension, how auto-enrolment works, pension liberation, state pension or cheap SIPPs, our detailed guides have all the relevant information, including our detailed 40-page PDF guide to taking your pension.