Pensions & retirement

A tax efficient and low cost way to save for your retirement.

A Self Invested Personal Pension puts you in control of your own investments with a wide choice of funds, shares and much more.

Convert your pension into an annuity - a secure retirement income for life.

Compare annuity rates and options from the UK's leading providers in minutes with our FREE online annuity calculator.

A more flexible way to draw a retirement income from your pension.

Your pension remains invested providing a variable income and the option to leave remaining funds to family and friends after death.

Have you got a question?

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0117 980 9926

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SIPP FAQs
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Income drawdown FAQs

SIPPs

Income Drawdown

Your options at retirement

More free guides »
Feature articles

Pitfalls at retirement, part 2 - income drawdown

Ruth Richards examines the advantages and disadvantages of income drawdown, the main alternative to an annuity at retirement.

Pitfalls at retirement, part 1 - annuities

Ruth Richards explores the advantages and disadvantages of annuities, the most common option at retirement.

Expert comment

Pension tax relief: payback time for higher-rate tax payers

By Alex Davies | Fri 03 February 2012
New rules effective from 6 April 2011 allow some people to contribute up to £200,000 to pensions and receive up to £100,000 pension tax relief. Here we explain how to qualify and benefit.
Should I delay buying my annuity?

By Tom McPhail | Tue 24 January 2012
Annuity rates have fallen in recent years and with the stock market still unpredictable, Tom McPhail looks at whether investors approaching retirement should delay buying an annuity.

No news or research item is a personal recommendation to deal.
SIPP

I have transferred 5 or 6 funds from pension providers to HL in the space of about 2 months. Great service, great website, looking forward to taking control of my own pension for the next 12 years. Mr Peace, Lancashire

Annuities

I cannot recommend your efficient approach highly enough. You made the purchasing of an annuity simplicity itself and enabled me to obtain more than my original provider was offering me. Thank you so much for all your help. Mr Scott, West Midlands

Income drawdown

So far I have found your service to be faultless in marked contrast to my last trustee. I particularly like your website which I find to be clear and easy to use after a little familiarisation. I also like the vastly greater range of funds available for investment and the ease and speed of making trades. Mr Gamble, Cornwall