Try not to worry too much if you don't think you have enough in your pension fund to be able to retire. There are some things you can do that may be able to improve the situation.
Make sure that you take into account all of your pension funds. If you've moved jobs a lot, you may have several.
If you're not sure how to track them down, get in touch with the government's Pension Tracing Service.
They'll be able to help you trace both company and personal pension plans that belong to you.
Read more about multiple pension plans.
You can choose to continue working or reduce your hours if you really don't think you can afford to retire at the moment. The longer you work, the more you can pay into your pension fund and every penny could make a difference when you do eventually retire.
You'll probably be entitled to a state pension and possibly some extra benefits. You will have to sign up for these as you won't receive them automatically. You may also qualify for some welfare benefits such as the winter fuel allowance.
Find out just what benefits you're entitled to at www.gov.uk.
You should check how much income you could get from your pension fund. Our Pension Annuity Calculator will do that for you.
It's worth checking on the performance of your investments and the interest rate you're receiving on your savings. You may find that you can do better by moving them elsewhere.
We have a range of savings and investments that may appeal to you. We'd recommend that you talk to a financial adviser about your options.
It's likely that you are living in your most valuable asset. There are ways that you can use your home to help fund your retirement. Let us tell you how.
If you only have a small pension fund, you may be able to take it as a lump sum. This is known as the triviality option.
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If you need some help or information from Aviva, please call us on one of the numbers above. We can help you with:
Pension Wise is a free and impartial service set up by the government for people retiring with defined contribution pensions. It will help you understand what your choices are and how they work.
You'll be able to get help on the Pension Wise website, over the phone or face to face about:
If you're not sure about your options at retirement you should seek appropriate guidance or advice.
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