Retirement Planning

For the 2025/26 tax year, eligible jobholders are auto-enrolled if they are aged 22 to State Pension Age and earn at least £10,000, with a total minimum contribution of 8% of qualifyingEarnings(£6,240 to £50,270).

Personal pensions, including stakeholder pensions and self-invested personal pensions (SIPPs), offer widerInvestmentchoice and portability but no employer top-up.