{"id":433353,"date":"2022-07-15T16:31:53","date_gmt":"2022-07-15T15:31:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=433353"},"modified":"2025-04-15T09:26:23","modified_gmt":"2025-04-15T08:26:23","slug":"pensions-guides-resources","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/pensions-guides-resources","title":{"rendered":"Pensions guides & resources"},"content":{"rendered":"

What guide are you looking for?<\/h3>
Pension types<\/a><\/div><\/div>
SIPPs<\/a><\/div><\/div>
Best guides<\/a><\/div><\/div>
Vs guides<\/a><\/div><\/div>
Tax guides<\/a><\/div><\/div>
How to guides<\/a><\/div><\/div>
Provider reveiws<\/a><\/div><\/div>
All guides<\/a><\/div><\/div><\/div><\/div><\/article>

Pension types<\/h3>
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Private pension<\/h4>\n

A private or personal pension is set up on your own. It\u2019s separate from your state pension and any workplace pension. For some people, such as the self-employed, a private pension may be their only option.<\/p>\n <\/div>\n

\n \"Private\n <\/div>\n <\/a><\/div>
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SIPPs<\/h4>\n

Self-invested personal pensions (SIPPs) are private pensions where you manage the investments yourself.<\/p>\n <\/div>\n

\n \"SIPPs\"\n <\/div>\n <\/a><\/div>
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State pension<\/h4>\n

Are you starting to plan for your retirement? If so then it\u2019s great to have all the facts when it comes to your state pension.<\/p>\n <\/div>\n

\n \"State\n <\/div>\n <\/a><\/div>
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Workplace pension<\/h4>\n

A workplace, or company, pension scheme is a pension that\u2019s arranged by your employer. It\u2019s different from a private pension, which you choose and pay into yourself.<\/p>\n <\/div>\n

\n \"Workplace\n <\/div>\n <\/a><\/div>
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Self-employed pensions<\/h4>\n

Here\u2019s how self-employed pensions work and why the tax breaks make pensions the best way to save for retirement.<\/p>\n <\/div>\n

\n \"Self-employed\n <\/div>\n <\/a><\/div>
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Final salary pension<\/h4>\n

These so-called \u201cgold-plated\u201d pensions guarantee you an income for life based on a portion of your salary. Plus, they usually pay an income to your dependants even after you die. Here\u2019s what you need to know about define benefit pensions.<\/p>\n <\/div>\n

\n \"Final\n <\/div>\n <\/a><\/div>
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Group personal pensions<\/h4>\n

In this guide we take a closer look at group personal pensions. We also answer common questions like \u201cwhat are the charges for a group personal pension? and \u201cwhat will happen to my group personal pension if I change jobs?\u201d.<\/p>\n <\/div>\n

\n \"Group\n <\/div>\n <\/a><\/div>
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Salary sacrifice pensions<\/h4>\n

Read on to find out how they work, whether you can get one and whether a salary sacrifice pension is right for you.<\/p>\n <\/div>\n

\n \"Salary\n <\/div>\n <\/a><\/div>
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Teachers pensions<\/h4>\n

When you become a teacher, you\u2019ll automatically be enrolled into the Teachers\u2019 Pension Scheme, a type of defined benefit pension that pays you a guaranteed income for life, and a perk that\u2019s well worth having.<\/p>\n <\/div>\n

\n \"Teachers\n <\/div>\n <\/a><\/div>
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Auto enrolment<\/h4>\n

Pension auto enrolment rules have given a boost to our workplace pension rights. In this guide, we take a look at the pension auto enrolment rules.<\/p>\n <\/div>\n

\n \"Auto\n <\/div>\n <\/a><\/div>
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Defined contribution pensions<\/h4>\n

Read on to find out why it\u2019s usually well worth opening a defined contribution pension.<\/p>\n <\/div>\n

\n \"Defined\n <\/div>\n <\/a><\/div><\/div>

SIPPs<\/h3>
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Junior SIPPs<\/h4>\n

They say it\u2019s never too early to start saving for a pension. Junior SIPPs take that concept very literally. They let you open and start paying into a pension scheme for your child from the day they\u2019re born.<\/p>\n <\/div>\n

\n \"Junior\n <\/div>\n <\/a><\/div>
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Best SIPPs<\/h4>\n

There\u2019s no defined best SIPP \u2013 it completely depends on what you\u2019re looking for and the size of your pension pot. Take a look at some of the ones listed below to see if you can find one to suit you.<\/p>\n <\/div>\n

\n \"Best\n <\/div>\n <\/a><\/div>
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Having more than one SIPP<\/h4>\n

Self-invested personal pensions, or SIPPs, can be a good option for those looking for pension flexibility, choice and control. Read on to find out more about the advantages and disadvantages of opening more than one SIPP.<\/p>\n <\/div>\n

\n \"Having\n <\/div>\n <\/a><\/div><\/div>

Best guides<\/h3>
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Best pension provider<\/h4>\n

Here\u2019s what you need to know about when you can get your hands on your pension pot and the different options for doing so.<\/p>\n <\/div>\n

\n \"Best\n <\/div>\n <\/a><\/div>
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Best pension drawdown<\/h4>\n

Cashing out your pension isn\u2019t simply dipping into a huge pot of money if and when you need it. You have the choice between a number of options including annuities and pension drawdown.<\/p>\n <\/div>\n

\n \"Best\n <\/div>\n <\/a><\/div><\/div>

Vs guides<\/h3>
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SIPP vs personal pension<\/h4>\n

This guide explains the differences (and the similarities), and help you understand whether a SIPP vs a personal pension is right for you.<\/p>\n <\/div>\n

\n \"SIPP\n <\/div>\n <\/a><\/div>
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State vs private pension<\/h4>\n

Private pensions are completely separate from the state pension and benefit from generous government tax breaks. We outline the key differences between state and private pensions, and why it can be a good idea to have both.<\/p>\n <\/div>\n

\n \"State\n <\/div>\n <\/a><\/div>
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Stakeholder vs personal pension<\/h4>\n

This guide explains the differences (and the similarities), and help you understand whether a SIPP vs a personal pension is right for you.<\/p>\n <\/div>\n

\n \"Stakeholder\n <\/div>\n <\/a><\/div><\/div>

Tax guides<\/h3>
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SIPP withdrawal rules<\/h4>\n

Here\u2019s what you need to know about when you can get your hands on your pension pot and the different options for doing so.<\/p>\n <\/div>\n

\n \"SIPP\n <\/div>\n <\/a><\/div>
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SIPP lifetime allowance<\/h4>\n

Here\u2019s what you need to know about when you can get your hands on your pension pot and the different options for doing so.<\/p>\n <\/div>\n

\n \"SIPP\n <\/div>\n <\/a><\/div>
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SIPP inheritance tax<\/h4>\n

Here\u2019s what you need to know about when you can get your hands on your pension pot and the different options for doing so.<\/p>\n <\/div>\n

\n \"SIPP\n <\/div>\n <\/a><\/div>
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Overpaid pension tax<\/h4>\n

The risk of overpaying pension tax is highest when you make your first taxable withdrawal. This guide outlines why and how you can reclaim overpaid pension tax.<\/p>\n <\/div>\n

\n \"Overpaid\n <\/div>\n <\/a><\/div>
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Paying national insurance<\/h4>\n

Worried whether you need to pay national insurance on income from your pension? This guide will set you straight.<\/p>\n <\/div>\n

\n \"Paying\n <\/div>\n <\/a><\/div>
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Pensions and tax<\/h4>\n

In this guide we explain everything you need to know about pension tax. We also answer common questions like \u201cdo I have to pay income tax on my pension?\u201d and \u201chow do I calculate tax on my pension?<\/p>\n <\/div>\n

\n \"Pensions\n <\/div>\n <\/a><\/div>
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Are pension contributions taxable?<\/h4>\n

Find out more about paying tax on your contributions, what your allowances are and how to claim any tax relief you are due.<\/p>\n <\/div>\n

\n \"Are\n <\/div>\n <\/a><\/div><\/div>

How to guides<\/h3>
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Find old pensions<\/h4>\n

Here, we explain how to find old pensions, so you can guarantee you get your full entitlement when you retire.<\/p>\n <\/div>\n

\n \"Find\n <\/div>\n <\/a><\/div>
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Consolidate pensions<\/h4>\n

We explain how to consolidate pensions and the potential benefits of doing so, plus highlight the circumstances in which you almost certainly shouldn\u2019t.<\/p>\n <\/div>\n

\n \"Consolidate\n <\/div>\n <\/a><\/div>
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Take money from your pension<\/h4>\n

Whether you\u2019re wondering about the state pension, a workplace pension, or a personal pension, we explain when and how you can get your hands on your pension savings.<\/p>\n <\/div>\n

\n \"Take\n <\/div>\n <\/a><\/div><\/div>

Provider reviews<\/h3>
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Interactive investor<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Interactive\n <\/div>\n <\/a><\/div>
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PensionBee<\/h4>\n

Find out what PensionBee\u2019s customers think, plus some pros and cons of PensionBee and information about how much you\u2019d expect to spend in costs with a PensionBee pension.<\/p>\n <\/div>\n

\n \"PensionBee\"\n <\/div>\n <\/a><\/div>
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Wealthify<\/h4>\n

If you\u2019re looking for an investment platform that handles everything for you, Wealthify might be the kind of thing you\u2019re looking for.<\/p>\n <\/div>\n

\n \"Wealthify\"\n <\/div>\n <\/a><\/div>
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Freetrade<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Freetrade\"\n <\/div>\n <\/a><\/div>
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Hargreaves Lansdown<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Hargreaves\n <\/div>\n <\/a><\/div>
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Penfold<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Penfold\"\n <\/div>\n <\/a><\/div>
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Moneyfarm<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Moneyfarm\"\n <\/div>\n <\/a><\/div>
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AJ Bell<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"AJ\n <\/div>\n <\/a><\/div>
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Saxo Markets<\/h4>\n

Stocks and shares individual savings accounts (ISAs) let you invest your savings without paying tax on your profits (up to an annual allowance). They\u2019re worth considering if you have money to put aside each month to invest for the long term.<\/p>\n <\/div>\n

\n \"Saxo\n <\/div>\n <\/a><\/div>
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Nutmeg<\/h4>\n

Named after the pungent and warming spice often used to flavour custard tarts and eggnog, Nutmeg is a popular investment app. It offers a huge range of ready-made portfolios with the chance to align your investments with your values.<\/p>\n <\/div>\n

\n \"Nutmeg\"\n <\/div>\n <\/a><\/div>
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Moneybox<\/h4>\n

Moneybox is a mobile application that lets you save and invest small sums of money. It\u2019s now got a pension product that allows you to combine all of your existing pensions into one pot. Find out what we thought, how much the Moneybox pension costs and some pros and cons of Moneybox.<\/p>\n <\/div>\n

\n \"Moneybox\"\n <\/div>\n <\/a><\/div>
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Plum<\/h4>\n

Having started life in the UK as a micro-saving Facebook chatbot back in 2017, Fintech challenger Plum now aims to help you make your money go further via its Android or iOS app. In 2021, Plum dipped its first toe into the pension market with the launch of the Plum SIPP.<\/p>\n <\/div>\n

\n \"Plum\"\n <\/div>\n <\/a><\/div><\/div>

All other pension guides<\/h3>
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