Leave it invested

Leave your pension pot invested

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So you've decided to leave your pension pot invested?

Lets explain...

This suits people who are continuing to work or don’t need the money now and so can afford to leave their pension pot invested until they’re ready to access their pension savings.
Even if you decide you want to leave your money invested, you may still be better off moving it to another arrangement. We always recommend that you seek professional financial advice to make sure your pension savings are invested in the right place to help maximise your pot.

Important Information about leaving your money invested

When you reach retirement age you may find you don't need an income from your pension just yet.

Your money could continue to grow while invested leaving you with a bigger pension pot when you’re ready to take your cash.
You could also choose to keep adding money to your pension.
The State Pension will still be available when you reach state retirement age.
Your pension can be passed on if you die.
If you like, you can take your tax-free cash (25% of your savings) and leave the rest until you need it.

All investments pose an element of risk and so you could see the value of your savings fall instead of increase.
If you decided to take more than your 25% tax-free cash you would need to pay tax on the extra amount.
Putting any cash you do take out and keeping it in a low interest saving account might leave you worse off than if you had left it in your pension.

Calculators

Use our tools to dig deeper into how you can use your pension savings

Annuity Calculator

Using today's rates our calculator can give you a snapshot of the income your savings could buy you in retirement. You can also choose to add your health details to personalise your quote even more!

Calculate your income today

Fixed Term Annuity Calculator

Our fixed term annuity calculator gives up to date results based on current rates. We shop around the whole of the market to get you the best quote for your specified income and/or guaranteed maturity value.

Calculate your annuity today