Most people never touch their pension's default investment fund.
That's not necessarily wrong, but it's worth knowing what it actually holds and whether it still suits your age and risk appetite, rather than assuming it does.
Read on LinkedInPension Insights
Straightforward thoughts on pensions, retirement and the decisions that matter.
We share short, practical thoughts on the pension questions people actually face. From small pension pots and tax-free cash to investment risk, State Pension planning and retirement income.
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A pay rise is a natural moment to review your pension contributions.
Contribution percentages that stay fixed while your salary grows mean you're saving a shrinking share of your income over time. A pay rise is a natural moment to bump your pension contribution up too. Want to know what extra contributions you could make from your income?
Read on LinkedInGot a pension question you've been meaning to ask someone qualified?
Book a Pension Clinic and use an hour with a qualified adviser to talk through your pension, understand your options and work out what you should consider doing next.
Read on LinkedInWhen you take your tax-free cash matters.
The tax-free lump sum is usually up to 25% of your pension pot, but the decision isn't simply about how much you can take. Planning the timing can matter just as much.
Read on LinkedInA retirement income that looks enough today may not stay enough.
Inflation quietly reduces what a fixed retirement income can buy over time. Retirement planning needs to consider how your income and spending may change in the future.
Read on LinkedInMarket volatility matters differently depending on when you need your pension.
If you're still 15 or more years from retirement, short-term market movements can be very different from the risks you face when you're close to drawing your pension.
Read on LinkedInHave you nominated beneficiaries on every pension you hold?
A nomination can help make sure your pension is considered for the people you'd want it to benefit if you die. It's worth checking that your nominations are up to date.
Read on LinkedInState Pension top-ups can be valuable — but check the rules first.
Voluntary National Insurance contributions can sometimes be a valuable addition to retirement income, but eligibility and the years you can fill can change. Check before assuming a top-up is right for you.
Read on LinkedInSmall pension pots can be more complicated than they look.
Pots of £10,000 or less can have specific rules that may allow the whole pot to be taken as a lump sum. But the order in which you access smaller pensions can affect your wider pension strategy, including tax-free cash elsewhere.
Read on LinkedInLost track of a pension from an old employer?
Old pensions can be easy to lose track of after changing jobs or moving house. Before making decisions about consolidation, it can be worth finding out exactly what you already have.
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