Using your pension

You’ve worked hard to build your pension pot, so make it work hard for you too

Turn those years of hard work into your dream retirement

You’ve put in the hours to build up your pension pot. So how do you go about taking your pension money when you’re ready? We’re here to take you through how to make the most of your years of hard work and turn your pension pot into the retirement you want.

Manage your pension online

Log in to your MyAviva account to see your pension details and manage any changes. If you haven’t registered for an account yet, you’ll need your pension policy number to hand.

Not all our policies are on MyAviva yet.
If you have a scheme number starting with N or a plan number starting with GS, register or log into the My Money site.

Log in Register

Give our retirement planner a go

This handy tool is designed to give you an idea of just how much your pension might be worth when you decide to retire.

Try our retirement planner

Ways to use your pension money

Taking your pension in cash

See the impact of withdrawing your pension money as one lump sum – and what you can do instead.

More on taking a lump sum

Withdrawing part of your pension

There are a few different ways to take your money as you approach retirement. See your options on withdrawing part of your pension money. 

Take some of your money

Mix and match your retirement options

Choosing a few retirement options (rather than just one) could help you get the retiree lifestyle you’re after.

Choose a few retirement options

Leave your money where it is for now

Not touching your money right away could make a difference to the size of your pension pot.

See what could happen to your pot

When do annuities make sense?

You can use all or part of your pension pot to buy a guaranteed income for life.

See if an annuity's for you

Should I get financial guidance or advice?

Financial guidance or advice can be a huge help when it comes to money matters. See how our experts can help you plan your retirement. 

Explore guidance and advice

Read more articles on your pension and retirement

Pensions for the self-employed

Don’t let saving for your future slip any further down your priority list: here’s what you need to know about paying into a pension if you’re self-employed.

What you need to know

Why pay into your pension early?

Sorting out your pension may not be at the top of your to-do list. But if you get things up and running sooner, it could work out better for you later.

See why to start early

Should I have more than one pension?

Understand the pros and cons behind putting your savings into a workplace pension versus paying into a personal one instead.

Read the pros and cons

Six simple tricks to help you boost your pension

Giving your pension savings a little push can make a big difference. So take a look at our six tricks which could give it that boost.

See how to save more

Picking investments for your pension

With so many funds out there, knowing where to put your money isn't always easy. So let us help clear up some of that fogginess.

Here's how to choose your funds

What's pension tax relief all about?

Understand how pension tax relief works, what it's based on and the impact it has on paying into your pension.

More on pension tax relief

Take control of retirement planning

When it comes to your retirement plans, knowing what to do first can be a challenge. So let us give you a hand – our six-point checklist is a good place to start.

Get planning

How long will retirement be?

It's difficult to know for definite. But there are things you can think about to help you plan more effectively.

See how to plan for retirement

Want to talk to us about your finances?

We offer pension support and you can get tailored financial advice too. So if you need a hand, speak to one of our pension experts today.

Talk to us

What we can offer

See how we can help you get the most out of your retirement.

Annuity

It’s a way of using your pension pot to buy a guaranteed income for life – just like having a regular salary.

Learn about annuities

Income drawdown

It’s a flexible way of using your pension – taking it as and when you need it.

Find out more

Equity release

Unlock some of the value of your home and turn it into a tax-free, cash lump sum to help you make the most of your retirement.

See more on equity release

Take a look at each stage of your pension journey

From the planning stages through to taking your money, we're with you every step of the way.

Start retirement planning

Find out what you need to consider when you’re getting those pension plans in order.

How to plan for the future

Pension basics explained

A little confused by all the jargon? Let us take you through the pensions essentials.

Learn the pension basics

Life in retirement

Learn what you should be thinking about as you approach retirement - and once you're retired.

Get to grips with retirement

Your health and wellbeing

Find out how can you stay in the best shape – physically and mentally – the older you get.

See what you can do

Taking care of your finances

Understand how you can use your pension money to get even more out of retirement.

Learn about your money

Retirement help and support

See how we can support you, no matter where you are on your retirement journey.

Use our support