Learn more about your private pension — a simple online assessment in just a few minutes

Many people in the UK have private pensions opened at different stages of their lives, yet they don’t always fully understand how these pensions work or whether they are aligned with their current goals.

At the same time, around 25% of people have no private pension at all and rely solely on the State Pension — often without realising that a private pension can be opened independently, regardless of age, employer or income level.
We offer a convenient online service that helps you gain a clearer overview of your existing pension plan or understand whether it may be worth considering opening one.

What is a private pension and who is it suitable for?

A private pension (such as a Personal Pension, Stakeholder Pension or SIPP) is an individual account designed to help you build savings for the future. It can be useful for those who:

want to increase their retirement savings beyond the State Pension
are self-employed
have changed employers several times and are unsure what happened to previous pension pots
prefer to manage their own contributions and investment choices
do not currently have a private pension and are considering opening one

This type of pension offers flexibility and allows you to tailor your saving and investment strategy to your personal circumstances.

Benefits of a private pension

Private pensions offer a range of useful advantages, including:

tax relief on contributions in line with HMRC rules
a choice of investment strategies — from more conservative options to long-term growth-focused portfolios
control over your contributions with the flexibility to adjust them at any time
freedom to choose your provider or consolidate existing pension pots
accessibility — you can open a private pension even without an employer

These features make private pensions a practical tool for anyone looking to build a more structured and confident plan for their financial future.

An online assessment can be a convenient first step — whether you already have a private pension or are just beginning to consider opening one.

Get a free pension assessment

Which types of private pensions can be assessed using the service?

Personal Pension

Ready-made investment solutions suitable for a wide range of people.

Stakeholder Pension

A simplified structure with capped fees.

SIPP (Self-Invested Personal Pension)

An option for those who prefer to choose their own investments.

Get a free assessment of your future pension

Risk levels: a general overview

Most providers offer three main approaches:

conservative — for those who prefer fewer fluctuations
balanced — a mix of stability and growth
higher risk — for a longer-term investment horizon. Choosing the right risk level is a personal decision that depends on your age, goals and attitude toward investing

Choosing the right risk level is a personal decision that depends on your age, goals and attitude toward investing.

Tax benefits and limits: it’s important to stay informed

Pension contributions may come with tax advantages, provided HMRC rules are met.

When planning, it’s important to be aware of:

the annual allowance
the money purchase annual allowance
the current limits on tax-free amounts.
An online assessment can help highlight which points you may want to clarify with your provider or a financial professional

An online assessment can help highlight which points you may want to clarify with your provider or a financial professional.

To get started, simply:

Select your region so the system can identify available options and specialists in your area.
Answer a few short questions about your pension type, age and goals. This helps create a more accurate overview.
Receive a free online assessment* outlining key points to consider and potential areas for further exploration.

*The online assessment is provided free of charge. You may choose to request a paid specialist consultation for a more detailed analysis.

Click here to get started →