All you need to know to start saving for retirement

We know you’re concerned about what coronavirus means for you – find out how it could impact you.

We all have different ideas about what we would like to do once we stop working.

But the one thing that most of us will need is a level of income that allows us to turn those ideas into reality.

The good news is that your company has made a workplace pension scheme available to you, designed to help you save money for your retirement.

When you think ahead to your retirement, it can feel like there’s a lot to consider - how much you can afford to save right now and the sort of income you might need when you retire. Whatever stage of pension planning you’re at, the sooner you start saving, the more likely you are to be able to enjoy the kind of retirement you want.

Each month, pension contributions from your salary will automatically be invested in your pension.  You can increase your contributions to reach your saving goals sooner - our retirement planning tools can help you see what impact making a change to your pension contributions now, could have later in life.

The value of a pension is not guaranteed and can go down as well as up. You could get back less than the amount paid in.


To help you with your retirement planning, we provide a range of planning tools so you can think about the kind of income that your pension savings are likely to provide for you. You can look at the sort of pension pot you might have when you reach retirement and what impact making changes to your pension contributions could have.

Shape My Future

Retirement Planner

Pension Annuity Calculator

Retirement Spending

Important information

This site does not provide financial advice. For financial advice please contact your financial adviser. You may be charged for this. If you haven't got a financial adviser and you would like to speak to one you can find one at or in your local phone book.

The following website(s) may not be regulated by the Financial Conduct Authority and as they are not operated by Aviva we cannot be liable for their content.

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Changes to the Default Investment Option

The Trustees have decided to change the default investment option for the scheme to target cash at retirement, instead of annuity purchase. To find out more please click here*. Targeting cash at retirement would enable you to withdraw your total pension savings as a single cash sum (or a series of cash sums) at your selected retirement age. The first 25% of each cash withdrawal is usually tax free.

Tax rules may change. The value of any tax benefits depends on the individual circumstances of the investor.

* Aviva do not own, produce, maintain or update the documents marked with * and cannot confirm that they are always up to date. Aviva therefore accepts no liability whatsoever for the contents or for any decisions based on the documents.