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Pensions & Retirement Insights

Whether you’re just starting out, approaching retirement, or already retired, these articles will help you make the most of your pension. They aren’t personal advice, but they will give you helpful information. If you’re not sure what’s right for your circumstances ask us about financial advice.

Pension essentials


What is a pension?

We explain the pension basics and explore how different types of pensions work.

Michelle Branco

5m read

How much should I pay into my pension?

Not sure how much to pay into your pension? Here we explore what to consider when deciding how much to contribute, and why it pays to start early.

Michelle Branco

5m read

When can I withdraw money from my pension?

We explain the basics of withdrawing your pension and the different options available to you.

Michelle Branco

6m read

Types of pension

We explore the main pension types available.

Michelle Branco

5m read

How to mimic the perks of a final salary pension

Final salary pensions are valuable and rare. Here’s how your personal pension could impersonate a final salary scheme in retirement.

Isabel McDougall

7m read

Pensions explained

If you’d like to discover more about pensions, we’ve got the expertise and tools to help.

Find out more

Should I transfer my pension?

We explore whether transferring a pension could be the right choice for you and outline the steps involved.

Michelle Branco

5m read

Are you ever too young to have a pension?

Parents and guardians can open or top up a pension for a child as soon as they’re born.

Isabel McDougall

5m read

SIPP vs ISA

Both a Self-Invested Personal Pension and an Individual Savings Account let you shelter your money from tax. But choosing the right account will depend on your future goals.

Michelle Branco

4m read

6 pensions you shouldn't transfer

Some pensions are typically better off left where they are. Below we explain what kind of pensions these are likely to be and how to find out if you have one.

Michelle Branco

7m read

Eight ways to make the most of your pension

From starting your retirement saving early to getting to grips with pension tax benefits, here are 8 top tips to help you make the most of your pension.

Isabel McDougall

10m read

5 costly pension mistakes to avoid

If you make a mistake with your pension, you could end up paying for it later. Discover 5 tips to make the most of your pension and tax relief allowances.

Isabel McDougall

8m read

Why is compound investing in a pension so powerful?

Compounding is one of the most powerful investing tools. But it can be particularly valuable for pension savers. Here’s how compounding works and how you could benefit.

Isabel McDougall

5m read

Lifetime ISA vs Pension – which is best if you're self-employed?

Run your own business and don't know whether to save into a Lifetime ISA or a pension? Here’s what you need to think about.

Isabel McDougall

6m read

How to reduce your tax bill as a limited company owner

Here’s some top tips to help keep your corporation tax bill down.

Michelle Branco

4m read

Quit your job to start your own business? Don’t leave your old workplace pension behind

Top tips for understanding your old workplace pensions, how to find them and your options for transferring.

Michelle Branco

4m read

Transfer fees capped for over 55s

Transferring a pension might be easier and cheaper than you think. We discuss why transferring and combining your pensions could make your retirement income easier to manage.

Michelle Branco

7m read

What happens to your pension when you leave a job

Your workplace pension is a valuable asset, and one you won’t want to lose track of. If you’ve had more than one employer or you’re thinking of leaving your job, you can take your pension with you. Here’s how.

Devleena Roy

4m read

Retirement essentials


4 costly retirement mistakes and how to avoid them

Here are four common retirement mistakes and how to avoid them.

Isabel McDougall

6m read

How much do I need to retire?

We take a look at three national income targets which could help you decide how much money you need to retire.

Isabel McDougall

8m read

Retirement explained

If you’d like to discover more about retirement, we’ve got the expertise and tools to help.

Find out more

Should I downsize to fund my retirement?

We look at the potential pitfalls of rushing into downsizing your home for retirement, and why you shouldn’t assume that your property is your pension.

Alana Fairfax

7m read

How to inflation proof your retirement income

Inflation has reached its highest level in 40 years and people in retirement could be hardest hit. Here are three ways to combat inflation and future proof your pension income.

Devleena Roy

5m read

The perks and benefits of being retired

When you finally reach retirement, it’s not just a life without work and more freedom to enjoy. There are a number of discounts, freebies and benefits for pensioners you might also be entitled to.

Isabel McDougall

3m read

The impact of interest rates on pension annuity rates

Interest rates are the highest they’ve been for 13 years. This positively impacts pension annuities and how much secure income you could get.

Isabel McDougall

4m read

How to choose the best pension drawdown provider for you

A checklist to help you find the provider that best meets your needs.

Michelle Branco

4m read

Pension Drawdown: four reasons to transfer

We look at four reasons why people choose to leave their current drawdown provider and how they might benefit from transferring to Hargreaves Lansdown.

Michelle Branco

5m read

Can I still contribute to a pension after retirement?

We look at the reasons why you should consider paying into your pension even if you’ve already taken money out or stopped working.

Alana Fairfax

6m read

Annuity vs. drawdown: or can I have both?

Discover what retirement option could be right for you. Plus, we reveal how you could combine your options to benefit from security and flexibility.

Devleena Roy

7m read