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Which pension option should I choose?
It's not easy to decide which type of pension is right for you. There are a lot to choose from, and there's a lot of information involved. We work to make your options as clear as possible, whether you're just getting started or you're close to enjoying your second life in retirement. Take a look at the range of pensions we offer, and how they can help you plan the retirement you want.
Whether you'd like a flexible personal pension or you and your employer are both making contributions, these options may be right for you:
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Find out moreSynergy PRSA
Our Synergy PRSA is a flexible, long-term saving option that moves with you as you go through your working life. You can choose and keep track of your investments and stop, restart and change your contributions at any time.
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Find out moreSynergy Personal Pension
This could be the right choice if you're self-employed, or if you don't have a company pension. Our Synergy Personal Pension lets you choose where to invest, and gives you the flexibility to stop, restart and change your contributions any time.
These options might be right for you if you're almost ready to start your second life or have already retired.
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Find out moreAnnuity
You buy an annuity, which gives you a guaranteed income for life, with the funds you've saved in your pension. The amount you get is based on factors like age, gender and how much you've saved as well as the options you've chosen. Your income will be taxed under the PAYE system.
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Find out moreSynergy Approved Retirement Funds
This is a way to control your retirement income while keeping your retirement fund invested. It gives you the flexibility to decide where you want to invest and to vary the amounts you want to withdraw.
When you're running your own business you need flexibility and control. You may want a specific payment plan or the ability to stop and start contributions at any time. Take a look at these options:
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Find out more
Synergy PRSA
Our Synergy PRSA is a flexible, long-term saving option that moves with you as you go through your working life. You can choose and keep track of your investments and stop, restart and change your contributions at any time.
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Find out more
Synergy Personal Pension
This could be the right choice if you're self-employed, or if you don't have a company pension. Our Synergy Personal Pension lets you choose where to invest, and gives you the flexibility to stop, restart and change your contributions any time.
It's likely you'll change or have changed jobs at least once in your career. These two options help you manage pension planning when you make a change:
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Find out more
Synergy PRSA
Our Synergy PRSA is a flexible, long-term saving option that moves with you as you go through your working life. You can choose and keep track of your investments and stop, restart and change your contributions at any time.
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Find out moreSynergy Buy Out Bond
This gives you the option of moving an old pension scheme, one that's closing or one you set up in the UK to a new home. That way it's easier to keep track of your pension investments until you're ready to access them.
Warning: The value of your investment may go down as well as up
Warning: Your investments may be affected by changes in the currency exchange rates
Warning: If you invest in these products you may lose some or all of the money you invest
Warning: If you invest in these products you will not have any access to your money until you retire
Looking for more information?
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Why start now?Starting a pension plan early makes sense
Our handy reference guide shows how much more you could save for retirement by starting now.
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View the guideCompare our pension products
This at-a-glance guide shows you the key features and benefits of all our pension savings products.
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Go to My Standard Life
Accessing your accounts online
My Standard Life lets you access online information about your policies and account.