Pensions — Investment Community

For You

Top of the community right now

Pensions

With the cost of energy and housing increasing every year, what options exist for drawing down from my private pension while still protecting it for later years?

46 8 41

Pensions

Is it worth transferring all my old workplace pensions into a single SIPP right now, or should I leave them where they are?

12 13 98

Pensions

How does the State Pension currently around £241.30/week full new State Pension in 2026/27 interact with private pension planning nd does it encourage or discourage additional voluntary investment?

17 8 42

QCan we stop pretending that £185 per week is not that much?

With all the talk about the triple lock pensions going on, I have seen numerous clips of talk shows etc. where a host/guest says something along the lines of “the state pension is only £185 per week” then continues to us…

Be first to reply — earn Equity for helping the community Join to answer →

2 0

Pensions ForgeBrokers Regular · 2 days ago UNANSWERED

0 Replies 0 2 Share

Rate a broker — earn +5 Equity

Help the community choose the right platform.

Rate now

QTransfer work pension to Trading212 SIPP

I am paying more attention to pension as I increase contributions and I have noticed my Aviva pension charges 0.69% annual charge so I have been looking into transferring it into a Trading212 SIPP as it has no fees and h…

Interested in Trading 212?Community Rating →Go to Site →

When Investing, Your Capital is at Risk. Sponsored link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link . Terms apply

First reply veteran

Check you don’t have protected retirement age with Aviva. It’s also crazy how much fees vary with Aviva. Mine charger 0.18% and the BlackRock MSCI World Index has an additional…

7 1

Pensions KingsCrossCandles Regular · 1 week ago

1 Reply 0 7 Share

QHow much have you got saved in private pension right now?

I’m in late 20s and to be honest I don’t think state pension will be a thing by the time I can retire. So how much have you guys got saved up? How old are you?

First reply Baguette_Bull

This is a common question. You’ll get answers between 30 and £1 million and 60 and nothing. How much should you save? Ideally as much as you can spare, from…

3 1

Pensions Mayfair_Maverick Regular · 1 week ago

1 Reply 3 3 Share

QPension & Savings thoughts - where am I going right/wrong?!

Hi All, Being a while i posted here and I’m just looking to consolidate my thinking across what money I have. the headlines: 36M, recently gone freelance in my field previous pensions totalling £20k (1 with Peoples Pe…

Be first to reply — earn Equity for helping the community Join to answer →

2 0

Pensions Crowell Regular · 2 months ago UNANSWERED

0 Replies 4 2 Share

QIs my situation looking okay?

Hi, My last annual NEST statement reads that I’m on course to end up with, around, £289,000.00 at my set retirement date in 2061! It reads that I should be due an annual income of £20,700.00 from that pot. I’m also on c…

First reply ChaosMaster

How much do you expect to spend in retirement?

+1 more

8 2

Pensions TrendForge Regular · 2 months ago

2 Replies 9 8 Share

QHow much pension is enough?

Serious question to all the pension bros. I see so many people max out the pension and live like they’re broke. Surely there’s a number beyond which it just doesn’t make sense to put more in there.. given you can’t touch…

First reply Sara1

I can only tell you what i did. Pay in as much as you can before you have kids and then stop working overtime and go to watch them play…

8 1

Pensions Faruk Regular · 3 months ago

1 Reply 7 8 Share

QThe Pension Schemes Act 2026 just got Royal Assent

what does this actually mean for my workplace pension pot, in plain English?

First reply LoverBoy

As someone running a small business who already found auto enrolment costly to administer, I’m cautiously optimistic about scale here.. if small fragmented pots get pooled into fewer, larger, better…

+1 more

10 2

Pensions Protege Regular · 3 months ago

2 Replies 9 10 Share

QThe State Pension just went up 4.8% under the triple lock

is this actually sustainable, or are we just kicking the can down the road for younger workers like me?

First reply SavageTrazZ

As someone in my thirties, I resent the framing that this is pensioners versus young people, because plenty of us will be pensioners ourselves one day and want the same…

+2 more

16 3

Pensions FireMaN Regular · 3 months ago

3 Replies 12 16 Share

QHow significant do you think pension schemes are in helping to build financial security for yourself in the UK?

How significant do you think pension schemes are in helping to build financial security for yourself in the UK? Taking into consideration pension schemes such as employer based pension schemes, personal pension plans and…

First reply ChainNavigator

the best means of securing financial stability in the United Kingdom is through the Pension plan because they offer government tax relief, combined with compound interest. workplace pensionis absoluteely good…

+1 more

10 2

Pensions SatoshiTrail Regular · 3 months ago

2 Replies 20 10 Share

Top Stories

See all →

TIC Blog · 3 weeks ago

Asset Rich, Cash Poor: What to Do When All Your Wealth Is the House

Asset rich, cash poor: the short version You are asset rich and cash poor when most of your net worth sits in…

TIC Blog · 4 weeks ago

Mortgages for Traders: Can You Buy a House on Trading Income?

Can you get a mortgage on trading income? Yes, but a lender will treat you as self-employed, so the mortgage stands on…

BBC · 1 hour ago

Budget to include £1bn for social and affordable housing

The move will take funding for the 10-year programme to more than £40bn.

BBC · 5 hours ago

Rosebank: Life on the oil field at the centre of a political storm

Scotland editor James Cook finds out what life is like on board a ship in an untapped oil field awaiting its fate.

Google · 5 hours ago

How one man became the unsung hero of the internet during a cyber-security scramble - BBC

How one man became the unsung hero of the internet during a cyber-security scramble  BBCCritical security issue affecting PHP  National Cyber Security Centre‘Black October’: cybersecurity experts sound the alarm over new era of AI-enabled hacking  The GuardianPatch the Planet: global response coordination as agents uncover critical vulnerabilities  OpenAIPHP Foundation 'under-funded' with one full-time staff member, director says  Reuters

QShould UK investors focus on adding to their pension before pursuing other investments like stocks or cryptocurrencies?

Should UK investors focus on adding to their pension before pursuing other investments like stocks or cryptocurrencies? What elements, including tax benefits, retirement aspirations, or investment risk, should individual…

First reply Defi_Dyno

In my opinion most UK investors ought to leverage their pension first and then invest heavily in stocks and cryptocurrencies since there is no better way of reducing your tax…

+1 more

4 2

Pensions Bullish_Badger Contributor · 3 months ago

2 Replies 10 4 Share

QHow essential would consider pension investment to be for achieving lasting financial stability in the United Kingdom?

How essential would you consider pension investment to be for achieving lasting financial stability in the United Kingdom? In your view, which choice provides the optimal combination of flexibility and long term growth …

First reply Defi_Dyno

Considering the tax breaks you receive and frequently the employers contribution that helps you accumulate wealth I think saving for a pension should be the most important step to financial…

+1 more

4 2

Pensions Dip_Buyer Contributor · 3 months ago

2 Replies 17 4 Share

QTo what extent do pension fund investments drive demand for UK commercial property or infrastructure projects, and how have regulatory changes affected these allocations?

To what extent do pension fund investments drive demand for uk commercial property or infrastructure projects and how have regulatory changes affected these allocations?

First reply angel_pearl

To be fair pension capital has been instrumental in financing uk social and transport infrastructure through dedicated funds. Demand for commercial property remains meaningful but constrained in smaller schemes. Policy…

+3 more

11 4

Pensions Jarvis Regular · 4 months ago

4 Replies 21 11 Share

QHow does inflation affect pensions and investments in the UK?

To my best understanding inflation reduces the purchasing power of money meaning pension income may not cover rising living costs. Investments must grow faster than inflation to protect the value of retirement savings. T…

First reply Mullen

In the uk the State Pension is partly protected by the triple lock system which increases payments based on inflation, wage growth, or 2.5%, whichever is highest. This helps pensioners…

15 1

Pensions Jarvis Regular · 5 months ago

1 Reply 13 15 Share

QShould i transfer a partial final salary pension?

If i worked at a previous employer that had a final salary pension scheme and i was only there for 7 years, is it worth transferrring? i was always told no

First reply Wolfstone

honestly, whoever told you no is spot on. Final salary pensions are basically gold dust because they guarantee you a set income for life, even for just 7 years of…

+1 more

2 2

Pensions WetBandit Regular · 5 months ago

2 Replies 16 2 Share