This section gives a brief overview of what a pension is, explains why you need a pension and then goes on to describe some of the benefits of a pension as well as some of the drawbacks of a pension. Finally it offers information on when you should start saving for a pension.

Here we cover what you need to know about the UK state pension and how it relates to any other type of pension that you are entitled to.

Here we introduce Personal Pensions and cover eveything you need to know about personal pensions, including the main benefits and drawbacks of Personal Pensions, what your options are when you retire and the important questions to ask your financial adviser before making any decisions.

Here we introduce Stakeholder Pensions and look at things like how much you are allowed to invest in stakeholder schemes.

We also go on to look at the main benefits and drawbacks of Stakeholder Pensions, looking at the main differences between Stakeholder Pensions and Personal Pensions and looking at some factors that might determine whether a Stakeholder Pension is right for you.

Here we explain Annuities - a type of product that provides you a regular income for the rest of your life after retirement.

We look at key points like what determines how much you will get, what drives annuity rates and of course how you go about getting yourself an annuity.

We have developed some useful tools to make planning your retirement easier. Each of these tools should be used for guidance only and any decision should also be taken with the advice of IFA