This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
Saving in your 20s and 30s
In your 20s and 30s, you’ve got time on your side. But for every ten years you wait, you may have to pay in double or more to get the same amount when you retire.
There are plenty of small things you can do right now to make a big difference in the future.
Saving in your 40s
There is still time to make a big difference to your pension pot. By the time you retire, the state pension age may be higher and the pension amount lower than today. You could be spending 20 years or more in retirement, so it’s important to take advantage of valuable tax relief and employer contributions.
Saving in your 50s and 60s
You probably have some big decisions to make about your pension. You may have retirement savings in lots of different places. To plan effectively, it’s important to know how much you have and where. There’s still a lot you can do to make up any shortfall.
Stay on track
Our tools and calculators can help you work out how healthy your finances are today, and how much you should be saving for tomorrow.