What's your
pension personality?

Discover your pension personality,
plan your next steps, and see how you can
boost your pension wellbeing.


how do you feel
about retirement?

I'm looking
forward to it.
It's stressful to
think about it.
I'm hopeful that
I'll be able to
enjoy a comfortable
retirement.
A little concerned
about whether
I'll have enough
for the future.

Do you know how much
is in your pension pot?

I have a rough idea,
but don't know
if it's enough.
I don't know
where to find out.
Of course. I like to
keep on top of
these things.
No clue, I'm
afraid to check.

How often do you check
your pension pot?

Regularly, to see
if it needs a boost.
I can't remember
the last time
I checked.
I don't get
around to it.
Often, to make
sure I'm on track.

How much do you
pay into your pension?

I don't know.
Between 5-12%
of what I earn
every month.
Over 12% of what
I earn every month.
The minimum
payment.

What do you think your
retirement looks like?

I want to enjoy
myself so I'm
saving a lot to
make it happen.
I'm saving as
much as I can
to make sure I
cover my costs.
Don't know, I
still need to work
out what I can
afford to do.
Not sure,
hopefully I'll win
the lottery and
take it from there.
« Prev Next »

what to do next

  • Brush up on the Pension Basics – Watch our series of Pensions Basics films to help with your pension planning, or visit our Retirement Basics website.
  • Check what's in your pension pot(s) – Speak to your pension provider to see how much you're currently saving, or look at your Annual Benefits Statement. If you have a Scottish Widows pension you can log in on our homepage.
  • Think about saving a bit more – If you have a workplace pension speak to your employer about increasing your contributions. Our Pay more calculator shows how even a small increase can make a big difference. If you're self-employed, can you afford to save a bit more? – our Savings guide can help.

    Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, when you decide to take your benefits which aren’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Your Pension Wellbeing Guide

Our guide can help you understand the basics you need to know about saving for the future and help make sure your plans are on track for the retirement you want.

what to do next

  • Think about saving a bit more – If you have a workplace pension, speak to your employer about increasing your contributions. Our Pay more calculator shows how even a small increase can make a big difference over time. If you're self-employed ask yourself if you can afford to save a bit more. Our Savings guide or comparison of long term saving options can help.
  • Trace your lost pensions – Did you know that on average we have 11 different jobs over our working life? * If you've lost track of a pension the Government can help you track it down and reclaim what is yours.
  • Two or more pensions? – If you have multiple pensions it could make sense to combine them. Find out more and how to combine on our Pension Transfers webpage.

    Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, when you decide to take your benefits which aren’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

* Source: Pensions Advisory Service

Your Pension Wellbeing Guide

Our guide can help you understand the basics you need to know about saving for the future and help make sure your plans are on track for the retirement you want.

what to do next

  • Think about saving a bit more – You're in a good place but even a small increase can make a big difference over time. See how increasing your contributions could help you get the retirement you want with our Pay more calculator. The Money Advice Service calculator can also provide an estimate of the income you'll get in retirement.
  • Two or more pensions? – If you have multiple pensions, it could make sense to combine them. The Government website can help you track down any lost pensions too. Find out more and how to combine on our Pension Transfers webpage.
  • Explore your pension options – Our Retirement Explained site can help show you how much you typically need to retire, when you can retire and also helps you explore and compare your Pension Options.

    Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, when you decide to take your benefits which aren’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Your Pension Wellbeing Guide

Our guide can help you understand the basics you need to know about saving for the future and help make sure your plans are on track for the retirement you want.

what to do next

  • Make the right investments – Keep on top of your investment options to make sure you're investing in the right way. Our introduction to Investment can help you. You can also check out our latest Fund Prices to compare recent performance.
  • Compare your pension optionsOur calculator can help you compare your pension options and our case studies can help you see what can work for you.
  • Two or more pensions? – If you have multiple pensions it could make sense to combine them. Find out more and how to combine on our Pension Transfers webpage. The Government website can help you track down any lost pensions too.

    Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, when you decide to take your benefits which aren’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Your Pension Wellbeing Guide

Our guide can help you understand the basics you need to know about saving for the future and help make sure your plans are on track for the retirement you want.

 

Scottish Widows advice and guidance

Our advice and guidance team can help you if you have any questions about your pension. From setting up your first pension, to consolidating your pension pots and accessing your pension funds we’re here to help support you with your financial needs.

Please note information and guidance is free of charge however if you’d like advice, or a recommendation on what’s best for you, then you can speak to one of our financial advisers and there will be a charge for this service.

To speak with one of our experts call 0345 767 8910 (select option 2 then option 2 again) or visit our Help & Support section.

Need More Help

These free resources can help you take control of your finances and provide guidance to plan for your future:


If you still can’t find the information you need or you need more detailed information, an independent financial adviser can provide advice suited to your circumstances. Please note there will usually be a charge for financial advice, but this will be personalised to your circumstances.