How to get a pension

Action Plan:

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Action Plan Overview

The sooner you start to plan for your retirement, the more you'll be able to enjoy it when you get there. We show you how to find a pension scheme that fits with your plans and your finances.

		a	Find out: How do pensions work?
		b	Find out: Do you need a pension?
		c	Find out: What are the pension contribution limits?
		d	Find out: Will you be eligible for pension tax relief?
		e	Find out: What can you do to maximise your pension?

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		a	Find out: What are SIPP pensions?
		b	Find out: What are personal pensions?
		c	Find out: What are company pension schemes?
		d	Find out: What are GPPs?
		e	Find out: What are self administered pension schemes?
		f	Find out: What are additional voluntary contributions?
		g	Find out: What are stakeholder pensions?
		h	Find out: What is the NEST pension scheme?

		a	Find out: When will you be able to claim a state pension?
		b	Find out: When will you be able to claim a company pension?
		c	Work out: When will you be debt free?
		d	Work out: What age can you retire?
		e	Work out: How many years do you have until you retire?
		f	Consider: How do you want to spend your retirement?
		g	Work out: How much will you need to live on when you retire?
		h	Work out: How many years of retirement will you need to fund?
		i	Work out: How much is retirement going to cost you?
		j	Work out: What's your disposable income?
		k	Decide: How much can you afford to save towards your pension?
		l	Work out: How much should you be saving for your pension?
		m	Decide: What's your attitude to risk?

		a	Decide: What type of pension scheme is best for you?
		b	Decide: How much will you contribute to your pension?
		c	Do: Compare pension plans
		d	Decide: What's the best pension plan for you?

		a	Do: Apply for the pension
		b	Decide: Which funds should you invest your pension in?
		c	Do: Set up pension investments
		d	Do: Set up pension payments

		a	Decide: Should you speak to an IFA?
		b	Do: Find a qualified IFA
		c	Find out: What should you ask a prospective IFA?

		a	Do: Plan an annual pension review
		b	Do: Reclaim higher rate tax relief