🟩 How Workplace Pensions Work

You contribute a percentage of your salary each month into your pension, and your employer adds their own contribution on top. The government also adds tax relief to boost your savings.

🟩 Auto-Enrolment Rules

Most employees are automatically enrolled into a workplace pension if they meet certain criteria — such as age, income level, and employment status. You can opt out, but by doing so you miss out on valuable employer contributions.

🟩 Employer Contributions

Employers are required by law to contribute at least a minimum percentage into your pension. Some employers offer higher contributions as part of their employee benefits package.

🟩 Tax Benefits

Your contributions receive tax relief, reducing the cost of saving into your pension. This makes workplace pensions one of the most tax-efficient ways to save for retirement.

🟩 Can You Have More Than One Workplace Pension?

If you change jobs over your career, you may build up multiple workplace pensions with different providers. These can often be combined later through pension consolidation.