Save for retirement

The earlier you start planning and saving for your retirement the better. We’ve got everything you need, from flexible pensions, guides and tools, and a range of investment options.

Important information: Before investing in a personal pension or Lifetime ISA, check what your employer offers. You can normally access money in a pension from age 55 (57 from 2028). Withdrawals from a Lifetime ISA before age 60 other than for an eligible home purchase are normally subject to a 25% government withdrawal charge, so you could get back less than you put in. Pension, ISA, and tax rules can change and benefits depend on personal circumstances. The information on our website isn't personal advice. If you're not sure what's best for your situation, you should seek financial advice.

Accounts to save for retirement

Personal Pension (SIPP)

Save for your retirement and save on tax, all with the freedom to invest exactly where you want.

Lifetime ISA (LISA)

A flexible way to save and invest for later life, for anyone between 18 and 39 years old.

Make life easier by bringing your pensions together

Move your pensions to the award-winning HL Self-Invested Personal Pension (SIPP) and take control of your retirement savings. If you’re thinking about transferring a pension, check you won't lose valuable guarantees or benefits or have to pay excessive exit fees.

Transfer to HL

Guides & tools

We know saving for retirement can seem daunting. At HL, we're with you every step of the way so you can get retirement ready with confidence.

Pension basicsHow much do I need to save?Pension tax relief

Pension contributionsBuilding your retirement savingsPension scams

Investment ideas

Whether you're an expert investor or looking for a more hands-off approach, we've got something for you. All investments can fall as well as rise in value so you could get back less than you invest.

HL Ready-Made Pension Plan

A simple investment solution designed exclusively for the HL Self-Invested Personal Pension and managed by experts.

Find out more

Ready-made investments

Looking to invest but unsure where to start? Our all-in-one portfolio funds can help.

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The Wealth Shortlist

Our Wealth Shortlist features funds chosen by our analysts for their long-term potential.

Find out more

HL funds are managed by our sister company Hargreaves Lansdown Fund Managers Ltd.

For the self-employed

Just 19% of self-employed workers pay into a pension, causing millions to retire without adequate savings. HL can help get you on track and save you money in the meantime.