UK pension auto-enrolment contribution rates remain at 8% minimum (3% employer, 5% employee) in 2026. The earnings trigger is £10,000/year. Key changes: extended eligibility reviews for gig workers and sole director companies.
Automatic enrolment has quietly transformed pension saving in the UK, adding more than 11 million workers to workplace schemes since 2012. The 2026/27 thresholds have just been confirmed — and long-promised reforms to extend coverage to 18-year-olds and remove the lower earnings limit are still sitting on the shelf.
Pension drawdown lets you keep your money invested while taking income as you need it. More flexibility than an annuity, but with genuine risks if you get the balance wrong.
A SIPP gives you full control over where your pension money is invested. More flexibility than a workplace pension, more choices — and more responsibility. Here's what you need to know before opening one.
State Pension age has already risen significantly and more changes are coming. Knowing exactly when you'll be able to claim — and planning around it — is fundamental to retirement planning.
The State Pension is the foundation of retirement income for millions of people in the UK. Yet surprisingly few people know exactly how much they'll get, how many qualifying years they need, or how to check their forecast.
If you're employed in the UK, your employer is almost certainly putting money into a pension for you. But many people have no idea how much is going in, what it's invested in, or whether they should be contributing more.