Guides

The ultimate pensions database: all the links you'll need for your retirement

2 minutes

There’s a wealth of information and experience available online, but it can be difficult to know where to find the right answers to your questions.

Our ultimate pensions database features all the experts, tools, services and websites that you might need as you approach retirement, or after it.

  • Experts to help explain the features of your pension
  • Tools to help you plan for retirement
  • Contact details so you can get answers when you need them most

Managing your pension is getting simpler

Managing your pensions

What with your state pension, workplace pension and any other pensions you’ve had over the years, it’s no surprise that it can be hard to keep track.

If you’d rather do your own research, Pension Wise is a government service from MoneyHelper that offers free, impartial guidance about your defined contribution options when it comes to accessing your pension pot.

Citizens Advice also has a whole section devoted to pensions and pension products.

If you’re a mother and you’re concerned about how this will affect your pension, there’s plenty of guidance on Mummy Money Matters.

Workplace pensions

Although the websites above offer advice about your workplace pension as well, there are sites dedicated to clarifying the information. LV= has teamed up with The People’s Pension to offer additional guidance and advice; the site also contains loads of downloadable resources for employees and employers alike.

The government has also published several resources for both employees and employers, including case studies, myth-busting articles and a workplace pension guide.

Alternatively, you can go straight to the source: NEST, the National Employment Savings Trust, which is the government’s auto-enrolment workplace pension provider.


Pensions regulators

If you’re concerned about your pension, or believe that your employer isn’t providing you with the correct workplace pension, there are services that can help.

The Pensions Regulator is the government’s resource for anyone involved in pensions, from individuals to business advisers. It’s full of information to help you protect your pension pot. But if you do have to take legal action, then the Pensions Ombudsman is there to help.

For financial concerns outside your pension, the Financial Conduct Authority is the organisation to turn to.


Tools and apps

For those who prefer a hands-on approach to retirement planning, there are great interactive tools to be found online:

There are also a few useful apps to help you manage your money, such as Mint, which you can sign up to for free.


Financial news and guidance

If you want to look further than just your pensions, there are some great guidance websites that deal with personal finance. The MoneyHelper has detailed descriptions of numerous financial products, from pensions to mortgages, so you can get the most out of your money.

MoneySavingExpert goes one step further, describing the financial loopholes and tools available that can help you save money on purchases, products and accounts.

If it’s breaking news you’re after, look no further than This is Money, a news site that covers everything in the world of finance. Select the ‘pensions’ tab on the top for pensions-specific news stories.

For a more personal  overview of pension matters, follow Ros Altmann on Twitter @rosaltmann.

Getting specialist retirement advice

Getting advice on your pension could see you significantly better off. By taking advice on your pension, you'll be able to:

  • Get the best option or combination of options for your needs. Speaking to an adviser will help you understand the choices available and find the right one for you.
  • Maximise your pension savings. If some of your pension savings remain invested, a pension specialist will be able to manage the investment to maximise its growth at a risk level you are comfortable with.

When reviewing the best options for you, your adviser will look at the most tax efficient way for you to take money from your pension. Paying less tax will mean you’re better off.

At LV= we’ve been specialising in providing trusted and regulated retirement advice for over 20 years. Our friendly advisers will get to know you and find out what you want your retirement to look like. They’ll help shape your options to help you meet your goals and enjoy a safe, secure retirement.

Learn more about how our pension advisers can help you plan for retirement and get your pensions ready for the retirement you want to enjoy. You can request a call back from one of our friendly advisers today.

Alternatively you can find an adviser by using unbiased.co.uk.

Enjoying your retirement

And what about when you’ve retired? The University of the Third Age (U3A) gives people in later life the opportunity to learn new skills, attend courses and meet up for events. It’s a great way to spend some of the extra time you have after retirement, but you can also join before you leave work.

There are dozens of U3A groups around the UK, but you can set up your own if there’s nothing on offer near enough to you.