
What does the future hold?
You've got questions, we've got answers.
Whether you’re retired or not, chances are you’ve got questions about your post-work life. Don’t worry. You’re not alone.
Some of the most common questions we get asked are “How much do I need to save for retirement?” and “What are my choices at retirement?” and “Will I have enough money to last me?”. Retirement is an important milestone that deserves reliable answers. With so much information out there, it’s hard to know where to turn or who to trust.
Watch our latest video, to discover what members of the public know about common retirement questions. And hear first-hand from our clients, on how we’ve helped them overcome their retirement concerns.
Ranked the UK's most trustworthy investment platform*
Retirement poses some of life’s biggest questions. It’s vital to get the right answers at such a crucial stage in your life. We help clients get answers they can trust time and time again.
*As ranked on Newsweek's most Trustworthy Global Companies List 2023.
Important information - The information on our website isn’t personal advice. If you're not sure what's best for your situation, you could use the government's free and impartial Pension Wise service (for 50 year olds and over) or ask us for financial advice. A pension is meant for your retirement, so you can't normally access your money until you're 55 (57 from 2028). Pension and tax rules change, and benefits depend on your individual circumstances.
Where are you in your retirement journey?
I'm saving for retirement I'm close to retiring I'm already retired
While you're
saving
Get answers you can trust.
If you’re saving for retirement, there are some essential questions that need answers. We’re here to help.
You’ll need to know how much to pay into your pension, and if it’s on track to provide you with the income you might want or need in retirement.
How much should I pay into my pension?
Understand how much you and your employer can pay into your pension. Plus, the government bonus you can get in the form of tax relief.
Is my pension on track?
Use this pension calculator to get an idea of your current pension size and if your future contributions will provide you with enough to retire.
How much do I need to retire?
Learn more about the three national income targets which could help you decide how much money you need to retire.
How much will my pension pay?
Use this pension calculator to find out what your pension might pay in retirement.
What are my retirement options?
Compare the benefits and risks of each option to help you decide what’s right for you.
How do I speak to an expert?
Book a free call back with our retirement helpdesk. They’ll talk you through your retirement options. Or if you decide you need more help, they’ll put you in touch with our advisory team.
When you're close to
retiring
Get answers you can trust.
If you’re planning to retire soon, there are three essential questions that need answers.
You need to understand what your pension will pay, and how you can take money from it. We’re here to help.
When you're close to
retiring
Get answers you can trust.
If you’re planning to retire soon, there are three essential questions that need answers.
You need to understand what your pension will pay, and how you can take money from it. We’re here to help.
How much will my pension pay?
Use this pension calculator to find out what your pension might pay in retirement.
What are my retirement options?
Compare the benefits and risks of each option to help you decide what’s right for you.
How do I speak to an expert?
Book a free call back with our retirement helpdesk. They’ll talk you through your retirement options. Or if you decide you need more help, they’ll put you in touch with our advisory team.
If you're already
retired
Get answers you can trust.
Even when you’ve retired, there are still questions to be asked and decisions to be made.
How long will my pension last?
If you’re in drawdown, use our calculator to find out how long your income could last.
How do I invest for income in retirement?
See our investment ideas to get inspiration on how to generate an income in retirement.
Can I get a secure income for life?
If you don’t want to invest for income, there are other options for taking retirement income. You could also get a secure income for life.
Retirement insights
What are your top retirement questions?
Our research shows some of the top questions people ask about retirement.
5m read
When's the best time to make a pension withdrawal?
We reveal how to make tax efficient pension withdrawals.
4m read
Can I get pension guidance?
If you're 50 or over, you can get free impartial guidance from Pension Wise to help understand your pension options.
How can I inflation proof my retirement income?
Here are three ways to combat inflation and future proof your pension income.
5m read
Do you pay tax on your pension?
Here's everything you need to know about how pension withdrawals are taxed and one way you could reduce your tax bill.
4m read

Why use HL's retirement service?
- Ranked the UK’s no 1 investment platform on Newsweek's most Trustworthy Global Companies List 2023.
- Access to all the main pension income options - You have the freedom to choose a flexible or secure income at retirement.
- Great value for money - Free research, the latest investment news, retirement tools and insight from our team of experts.
- Get the best annuity rates - You can get live annuity quotes from the UK’s leading annuity providers on the open market within minutes using our online tool.