Bestinvest pension hub

Here to help you conquer your pension

Whether you're just starting out, close to retirement or somewhere in between, this pension hub is for you.

Pensions...

...your retirement can depend on yours, but that doesn’t make them any easier to embrace. Pensions are overcomplicated, seen as ‘boring’ by many and one of a number of things that usually loiter on ‘to do’ lists.

Pension tax reliefs, allowances and rules

Pensions come with fantastic tax reliefs and allowances. Because of this, they also come with a number of rules which depend on individual circumstances and can change. Don't worry, we’ve got you covered.

Are you making the most of the available pension reliefs and allowances?

Our graphics make it easy to see the pension reliefs and allowances together in one place.

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A guide to pension carry forward

Pension carry forward allows you to pay more into your pension than your usual annual allowance. Our guide explains all.

Read on

The pension lifetime allowance explained

If you pay too much into a pension, you can end up with a big (and sometimes unexpected) tax bill. This guide focuses on the pension lifetime allowance.

Find out

New to pensions? This is for you

Everything here is for absolute beginners or those in need of a refresher. And if you can’t find answers to your questions, give us a call on 020 7189 2400 – that’s exactly what we’re here for.

Pensions – the basics

Lesson three in our How to Invest series look at pensions alongside other investment accounts.

Learn more

What is a SIPP?​

Self-invested Personal Pensions (SIPPs**) are a type of pension that give you more control over your investments.

Watch the video about SIPPs to learn more.

We also have a handy guide which you can take a look at.

See all pension guides

Making the most of the pensions you’ve already got

It’s common to change jobs quite frequently so most of us end up with a number of pensions. Getting these working hard is a great way to boost your retirement savings (even if you don’t have new money to invest).

How small pension contributions add up

Don’t be put off pensions just because you don’t have a lot of money to put into one. Our article shows how regular, small contributions can add up over time.

See how

The importance of good pension investments

The success of your pension is not just down to the amount of money you pay in. Your choice of investments matters too. Our article illustrates the point.

Read up

How to overhaul your pensions

Pensions – they’re so easy to neglect! In this article we show you how to overhaul your pension and why it makes sense to do this.

Get overhauling

Are you part of Generation X? This guide is just for you

Generation Xers have largely fallen between benefitting from final salary pensions and reaping rewards from auto-enrolment. If thinking about your pensions and retirement is causing angst, this helpful guide is for you.

Go GenXers

This is what happens to your pension when you leave a company

Most of us change jobs every few years, which means racking a number of pensions. Here's how to manage them.

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Reaching retirement

Long gone are the days when you just converted your pension into an annuity on retirement. Now you have much more freedom over how you take your pension. This is great news, but it also means that there are some big (and in some cases irreversible) decisions to make. We explain all.

Your options at retirement

This guide talks you through the different options available at retirement.

Download our guide

Annuities – a guaranteed income for life

Annuities fell from favour for a while but they do still have their place. In a world full of uncertainties, a guaranteed income is what some people crave.

Download our guide

Income drawdown in retirement

Keeping your pension invested and taking an income from it is one of the options available at retirement.

Download our guide

Thought-provoking pension insights

Women, children and pensions: this is a conversation we should all be having

Working and raising children is a familiar juggling act. Lesser-known is the impact that choices made during this time can have on pensions and, in particular, the financial security of women.

A must read

Pensions and divorce

It’s common to overlook pensions during divorce or make emotionally charged, and sometimes ill-informed, decisions. But pensions are often huge, valuable assets and making poor choices could have far-reaching consequences.

Find out more

The self-employed pension guide

If you are outside the traditional PAYE structure and auto-enrolled pension schemes, this guide is for you. Don’t miss out on pension tax relief and the other great benefits of pensions.

Read more

 

*Psst – see our full awards list here.

**​SIPPs are not suitable for everyone. If you don’t want to invest across different asset classes or don’t think you will make use of the investment choices that SIPPs give you, then a SIPP might not be right for you.

***Before you consider transferring a pension, it is important to ask yourself: Will I lose any valuable benefits or features from my existing pension plan? Will I incur any penalties on my existing pension if I transfer? Is it an occupational final salary pension scheme? (in which case it is very unlikely to be advisable to transfer) Have I considered the charges on my current plan? (a new arrangement may be more expensive – especially if you have a stakeholder pension). Exit fees may apply if you choose to leave Bestinvest.