What to do with your pension in your early career

Paying into your pension

You already have a pension with Aviva, which is a great start. But now that you've found your old pension, what comes next? You could think about combining your pensions and look into the right amount to put into your current pension. A good rule of thumb is to contribute between 10% and 15% of your salary to your pension. Some advisers also recommend aiming to build up savings worth up to 10 times your average working-life salary by the time you retire.

When you change jobs

If you move to a different job, your old workplace pension will still be there. So, every time you change jobs, you could be piling up multiple pensions. You've got options about what to do with them, simply leaving them where they are or putting all your pensions together to help make things easier to manage.