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.
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.
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.
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.
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.
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.
When do annuities make sense?
You can use all or part of your pension pot to buy a guaranteed income for life.
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.
Read more articles on your pension and retirement
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.
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.
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.
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.
Is your retirement age on target?
Blackadder’s Baldrick was famous for having one. But do you have a plan, cunning or otherwise, for your retirement age?
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.
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.
Should I pay extra into my workplace pension?
Understand the pros and cons behind putting your pension savings into a workplace pension versus paying into a personal one instead.
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.
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.
Income drawdown
It’s a flexible way of using your pension – taking it as and when you need it.
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.
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.
Pension basics explained
A little confused by all the jargon? Let us take you through the pensions essentials.
Life in retirement
Learn what you should be thinking about as you approach retirement - and once you're retired.
Your health and wellbeing
Find out how can you stay in the best shape – physically and mentally – the older you get.
Taking care of your finances
Understand how you can use your pension money to get even more out of retirement.
Retirement help and support
See how we can support you, no matter where you are on your retirement journey.