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Your retirement options explained

Your retirement options explained

Discover how to maximise your pension income. This factsheet is not personal advice but it does outline your options, the pros and cons of each, plus:

  • How the ‘Pension Freedom’ rules affect your retirement
  • What happens to your pension when you die
  • The value of getting guidance or advice

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    This factsheet is not personal advice. Please remember tax rules can change and the value of the tax benefits will depend on your circumstances. The value of investments can fall as well as rise so you could get back less than you invest.

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    The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.

    Tips to help you choose the right option and help maximise your pension

    Retirement is an important financial decision, and it’s important you get it right. Having the best information is a critical first step in your retirement plan.

    This plain-English factsheet outlines your options, the pros and cons of each, plus:

    • Where to consider investing your pension for retirement income
    • What happens to your pension when you die
    • How the ‘Pension Freedom’ rules affect your retirement
    • The value of getting guidance or advice

    This factsheet is not personal advice. Please remember tax rules can change and the value of the tax benefits will depend on your circumstances. The value of investments can fall as well as rise so you could get back less than you invest.

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