Get some pointers on your pension. Making the right decisions today could boost your retirement pot and make the future a whole lot brighter.
You could check to see if you can get a workplace pension, as paying into that would give you the extra bonus of employer contributions to boost your investment every month. If not, we have some other pension options that could suit you.
Always remember, investment values can fall and rise, and you could get back less that has been paid in. If you're transferring a pension other risks may apply and you may need to get advice for which you'll need to pay.
Starting your pension
Sorting out a pension doesn’t have to be complicated. We’ll help you get the ball rolling.
Open a pension
Our flexible pension puts you in control with a wide range of investment choices
Pension basics
Find out why pensions are an easy, tax-efficient way to save for retirement
How much to pay in?
Check what you should be putting into your pension to get the lifestyle you want
Building your pot
When you’re paying into your pension, every penny counts. Here are some pointers to help you and your savings.
Combine your pensions
Put all your pensions in one place. Make them easier to manage and get a clearer view of your money.
Make more of your money
Here are six simple tips that could help boost your pension balance.
Plan for the future
We’ve got a range of articles to help you expand your pension knowledge.
Using your pension
You’ve put in the hard work investing for your future. Now it’s time to focus on spending your nest egg, your way.
Income drawdown
Dip into your pension pot and take tax-free lump sums. Tax rules may change and are based on your personal circumstances.
Taking your money
There's a range of ways to use your pension savings, to suit your lifestyle.
Get set for retirement
We'll answer your pension questions and give you tips to boost your retirement pot.
Tools to plan your pension
Workplace pensions
Get to grips with your workplace pension. We've got the information you need to help make the most of it.
Manage your pension online
We’ve made it easy to do your pension admin online with MyAviva. If you don't already have an account, you'll just need your policy number and email address to register.
Depending on your pension, you’ll be able to change investments and check their value, make payments and update information like beneficiaries and your retirement age.
Pension FAQs
What happens to my pension if I leave or move jobs? Show more Show less
Your pension is yours no matter where you work. If you change jobs, you have a few options:
- You can ask your new employer to pay into your existing pension. Bear in mind they don’t have to do this and may choose not to.
- Transfer your funds to your new employer’s pension scheme.
- You could also transfer your money to a personal pension or a SIPP (Self invested personal pension) if you're a more confident investor and ask your employer to make contributions to that, if they allow it.
- Join your new employer’s pension scheme, but keep your existing pension separate. You could choose to contribute to both if terms allow you to.
- If you're over 55 (57 from 6 April 2028) and move jobs, there's also the option to start taking your pension benefits.
Can I combine my pension plans? Show more Show less
Yes, you can usually transfer your pensions to one place. This could be with us, or another provider. Make sure you think about charges, funds, and benefits you could lose before you make your decision. Find out more about pension transfers.
If you’re unsure about your options, we recommend you seek financial advice before transferring or combining your pensions and you may be charged for this advice. If you don’t have an adviser, we can help with free pension support or personalised advice. Explore guidance and advice.
Are there any charges or penalties for transferring my pension? Show more Show less
This depends on the type of pension you have and its rules. Make sure you check these with your current pension provider. We won’t charge you to transfer to our Aviva Pension.
If you’re unsure about your options, we recommend you seek financial advice before transferring or combining your pensions and you may be charged for this advice. If you don’t have an adviser, we can help with free pension support or personalised advice. Explore guidance and advice.
How can I avoid pension scams? Show more Show less
Scammers may try to tempt you with offers of accessing your pension funds before you’re allowed to. Be wary of cold calls or anyone pressuring you to make a quick decision to cash in your pension. Find out more about pension scams.
If you’re unsure about your options, we recommend you seek financial advice before transferring or combining your pensions and you may be charged for this advice. If you don’t have an adviser, we can help with free pension support or personalised advice. Explore guidance and advice.
Pensions and tax relief Show more Show less
You can get tax relief on your personal contributions up to 100% of your relevant UK earnings. If the total of all contributions, in the tax year, exceeds the standard annual allowance of £60,000 you may be liable to a separate tax charge. If you're a basic rate taxpayer, for every £100 you put in, you'll get £25 tax relief. If you're a higher or additional rate taxpayer, you may be able to claim extra tax relief.
Bear in mind that if you earn more than £200,000, or you've accessed the money 'flexibly' – meaning you've taken a taxable lump sum or started withdrawing a flexible income – your annual allowance may reduce to as little as £10,000.
The annual allowance resets on 6 April each year, in line with the tax year. If you use it all, you may be able to ‘carry forward’ any unused annual allowance from the previous three tax years.
Tax rules are subject to change and are dependent on individual circumstances.
Pension updates
Changes to the minimum pension age
The age you can take your pension is going up
Pension tax relief
Check pension tax relief rates for 2026/2027
Thinking about a pension?
Our flexible, Self-Invested Personal Pension (SIPP) could be right for you.
More pension help
Pension Wise
If you’re over 50, you can get free, impartial, government-backed guidance on your retirement options. Just call 0800 138 3944 or visit Pension Wise.
Financial advice
If you need help to make pension decisions, speak to Aviva Financial Advice. There will be a charge for advice.