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When you can access your pension

You can normally only access your pension from a certain age. Here’s what to consider when planning to take money, and how you should plan accordingly. 

When you can normally access your pension: 
Age 55 (57 from 2028)  

This is generally the minimum age for taking money out of your pension. 

Although that may be far in the future for many, there are plenty of things you can do to be ready for retirement when it arrives. 

This includes picturing your ideal retirement and thinking about when you want to stop working. 

When to start planning for retirement

It’s never too early to start planning your retirement. 

You can open a pension for yourself and start contributing from age 18, although you will not normally be able to access any money in the pension until the minimum pension age stated above. 

If you’re in your fifties, there are a few retirement tips to help get you ready for taking your money.

Planning around your State Pension

When you reach State Pension age, you might be eligible to claim a State Pension from the government. 

How much you get will depend on your circumstances. This includes which version you’re eligible for and how many years of qualifying National Insurance payments you’ve made. 

There are several resources available to help you plan around your State Pension, including: 

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