Whether you’re ready to make a retirement decision or are considering what your retirement could look like, one of the easiest ways to prepare for the future is by having everything in one place. Our simple online tool helps you find and combine your old pensions into one - making things easier for yourself when you decide how to manage your income in retirement.

Combine your pensions today through your Smart Pension account.

Three reasons to combine your pension savings

• One pension = one view. When your pension savings are in one place, it’s easier to see what you have saved.
• One pension = one charge. You’ll only pay one set of pension charges, which could mean more money for your retirement.
• One pension = one set of paperwork. You’ll spend less time on pension admin and more time enjoying life.

You can find out more about transferring your pensions in our help article.

Please note that not all pension providers offer the same retirement options, benefits and support. Before making any decision, you should compare the charges and different options before deciding whether to switch pension providers.

Options at retirement

You can currently access your pension savings at any time once you turn 55 (rising to 57 from 6 April 2028). Choosing how to manage your income in retirement will be one of the most important financial decisions you’ll make.

Before going down any route, it’s important to understand all the different options. Get to grips with your options at retirement, including our comprehensive retirement range, by reading our retirement options guide.

Need help?

For more information about the support available on your retirement journey, read our help article.

Our UK Retirement Support Team is here to make retirement planning easier. If you have a retirement question, just give one of our specialists a call on 0330 174 0643.

We’re happy to support you by answering any questions you may have about your retirement options or transferring to Smart Pension. However, Smart Pension can only provide guidance and is not regulated to give financial advice. You can find support on the MoneyHelper website if you require professional advice.