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'Defined contribution' and 'defined benefit' pension schemes - what they are and what you'll get from them

Work out how much money you'll get when you retire and plan ahead - State Pension, Pension Credit, National Insurance

• Overview

  A pension is a way to save money for later in your life. You may be able…

• Your pension options

  You can pay into as many pension schemes as you want. It depends on how…

• Private pension schemes

  Workplace pensions and personal or stakeholder pensions are a way of…

• Pensions from the government

  The pension you get from the government (‘State Pension’) is based on your…

• Working past State Pension age

  You might decide that you do not want to stop working when you reach State…

• Get help

  When planning your pension and retirement income you might need help with:…

Plan your retirement income - State Pension, improve your pension, pay National Insurance, check your State Pension age

Workplace pensions and automatic enrolment - how you're affected, how pensions are protected, what happens if you move job or go on maternity leave and how to opt out

Personal pensions, stakeholder pensions, SIPPs

GAD guidance supports gender pension gap disclosure in 2025 local government fund valuations.

• Updated: 5 February 2026

Find out about the requirements for pension scheme administrators, insurance companies, members and employers and how to report them to HMRC.

• Updated: 15 December 2025

Workplace pensions - your employer's responsibilities to you to provide a workplace pension and what automatic enrolment means to you

Find schemes that have told HMRC they meet the conditions to be a recognised overseas pension scheme (ROPS).

• Updated: 2 February 2026

Taking early retirement can affect the pension and benefits you get