Pensions and Investing
Pensions aren’t just savings accounts — they’re long-term investment vehicles designed to help you grow wealth for retirement, while offering generous tax benefits along the way.
When you contribute into a pension, your money is typically invested across a range of assets — such as shares, bonds, property and funds — aiming to grow your pot over decades.
Key pension investment benefits include:
Tax relief on contributions — making every pound go further.
Tax-free growth — investments grow free from capital gains and income tax inside the pension wrapper.
Employer contributions — additional funding from your workplace pension scheme.
Compounding growth over time — allowing even small contributions to grow significantly.
While pensions offer excellent tax advantages, they are designed for long-term savings — typically not accessible until age 55 (increasing to 57 from 2028), and with some flexibility once you reach retirement.
Choosing the right pension investments depends on your time horizon, risk appetite, and retirement goals.
Pensions can be one of the most powerful wealth-building tools you have. We’ll help you structure your pension investments appropriately, ensuring you make full use of the tax benefits while keeping your plan aligned with your long-term objectives.
The value of investments can fall as well as rise and you may not get back the amount originally invested.