The latest from Ruth
What is Pension Credit and How Do I Claim It?
Pension credit is a tax-free government benefit available to people over state pension age who are on a low income. There are two main forms: savings credit and guarantee credit.
What is a Credit Union? Should I Join One?
Credit unions are co-operatives that provide loans and savings accounts to members. Find out how they work and how you can join one.
What is the Financial Conduct Authority?
The Financial Conduct Authority (FCA) is an independent public body that regulates the financial services and markets in the UK. It aims to protect consumers, maintain the integrity of the…
How to Defer Your Pension
If you are not ready to retire, want to build more retirement savings, or simply don’t need to claim your pension yet, you may want to defer taking your pension.…
What Is Guaranteed Pension Credit?
The government’s guarantee credit forms part of pension credit. It ensures that anyone on a low income gets a guaranteed minimum retirement income.
Cashing in a Pension: Your Options at Retirement Explained
Cashing in a pension usually only becomes possible at age 55. At this point some or all of your pension funds can be used to buy an annuity, set up…
8 Ways to Boost Your Pension
Treat your current income like it is spoken for - today’s pension contributions will be more valuable during retirement.
State Pension Forecast: Check Your Retirement Income
A pension forecast will help you estimate how much state pension income you could receive when you retire. For personal and workplace pensions your annual statement will provide a projection…
Are you paying too much for your pension? Learn how to minimise the fees
Pension providers charge for their services with pension charges and fees. Pension charges can include annual management charges, platform fees, underlying fund fees, inactivity fees and exit charges. While they…
How ethical pension funds work
Ethical pension funds bring socially responsible investing to retirement planning by ensuring the underlying investments meet Environmental, Social and Governance (ESG) criteria.
It is Never Too Late to Set Up a Pension
Feel like you’ve left your pension too late? Don’t panic, it is never too late to set up a pension and start saving for retirement.
What is a Salary Sacrifice for Pension?
These schemes allow you to give over part of your salary in order to make more contributions to your pension.
How to Start a Pension
Ready to start pension savings for retirement? First, choose which type of pension and how much you will need to set aside less each month.
Pension Drawdown: How to Take a Flexible Retirement Income
Using pension drawdown to access the money in your pension can provide you with a flexible retirement income. Your pension funds can stay invested to hopefully grow further after you…
Workplace Pensions Explained
A workplace pension is a pension that is organised by your employer. Your workplace is required by law to offer one.