Understanding your retirement options and the questions to ask.

Interactive Explainer · 6 min · Retirement within 10 years

Trigger: Pre-retirement proximity

Why a pay rise is a natural moment to look at your pension again.

2 Minute Read · 2 min · Recently received pay rise

Trigger: Salary increase above threshold

An educational scenario showing how small changes compound. Not a recommendation.

Calculator · 3 min · Minimum contributors

Trigger: Contribution inertia 12+ months

A plain-English overview of what your workplace pension is and how it works.

2 Minute Read · 2 min · All employees

Trigger: Enrolment or disengagement detected

Why you were enrolled automatically and what it means for you.

60 Second Read · 1 min · New joiners

Trigger: Employee becomes eligible

What your employer adds and why it matters.

Infographic · 1 min · All employees

Trigger: Contribution drop or stop

How your contribution is calculated and where it goes.

2 Minute Read · 2 min · All employees

Trigger: Contribution change detected

Choices widen — understanding them early helps.

2 Minute Read · 3 min · Age 50+

Trigger: Age milestone 50 or 55

How to find and understand pensions from previous jobs.

2 Minute Read · 3 min · Multiple pot indicators

Trigger: Consolidation indicator

The mechanics behind long-term pension growth.

Calculator · 3 min · Age under 40

Trigger: Contribution inertia

How to get the most from a conversation with your advisor.

60 Second Read · 1 min · All employees

Trigger: Education completed, no action

How tax relief works on pension contributions, in plain English.

2 Minute Read · 2 min · All employees

Trigger: New joiner sequence

The mid-career checkpoint.

2 Minute Read · 2 min · Age 40-49

Trigger: Age milestone 40

What consolidation involves and what to weigh up. Not a recommendation.

Faq · 4 min · Multiple pot indicators

Trigger: Consolidation question asked

Why tomorrow's prices matter to today's saving.

Infographic · 2 min · All employees

Trigger: Annual programme

Balancing today's costs with tomorrow's retirement.

2 Minute Read · 2 min · Age 30-39

Trigger: Age milestone 30

What salary sacrifice is, where it applies and what to consider.

Short Video · 3 min · All employees

Trigger: Employer offers salary sacrifice

Why nomination information matters and how it is treated.

60 Second Read · 1 min · All employees

Trigger: Missing nomination data

What a default fund is and why most people are in one.

2 Minute Read · 2 min · All employees

Trigger: Investment question asked

Time is the biggest advantage you have.

60 Second Read · 1 min · Age under 30

Trigger: Age milestone

Why risk and return travel together.

Short Video · 4 min · All employees

Trigger: Investment question asked

What happens to your workplace pension when you move on.

Faq · 2 min · Leavers

Trigger: Leaver detected

What to check about a new employer's pension.

60 Second Read · 1 min · New joiners

Trigger: Employee joins

What charges are and how to find yours.

2 Minute Read · 2 min · All employees

Trigger: Requested topic

Above £100,000 adjusted income the annual allowance tapers, reducing how much can be saved with tax relief each year.

2 Minute Read · 3 min · High earners (adjusted income above £100,000)

Trigger: Adjusted income estimated above £100,000