• Retirement
  • 3: Bridge the gap

Step 3: Bridge the gap

Let's get back on track

You've figured out what you'll have in retirement and realised there's a gap between that and what you'll need.

Don't worry; you have time to fix this.

Bring your pension pots together

Make life simpler and bring your pension pots together

Repay debt

Should repaying debt be on your radar? Absolutely.

Pay more

Paying more into your pension makes sense, but there are limits on the maximum amount that can be made in a year.

Boosting or deferring your State Pension

Buy National Insurance contributions or defer taking your pension, and you made find yourself with a higher pension in the future.

Related guides

Five tips for a bigger pension (pdf)

It's never too late to make adifference and this 5 point plan shows you how.

Should you move your money? (pdf)

Most people these days have worked for more than one company, and as a result have more than one pension pot, does it make sense to bring them all together?

Want to have a chat?

We're here to help you understand how to make the most of your pension savings. If you have any questions or just want a better understanding of it all, simply get in touch with our retirement service to talk about it in more detail.

 0800 368 6882

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Pension Wise

The Government's Pension Wise service offers free, impartial guidance to help you understand your options at retirement. You can access the guidance online at www.pensionwise.gov.uk or over the telephone on 0800 138 3944.

Get in touch

0800 368 6882


Send us an email


Schedule a call back
Monday toFriday, 9am to 5pm

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Helping you afford your retirement

Important information

This information is not investment advice or a recommendation for any particular product, service or course of action. Pension and retirement planning can be complex, so if you are unsure of the suitability of a pension investment, retirement service or any action you need to take, please contact Fidelity’s Retirement Service on 0800 368 6882 or refer to your financial adviser.

The value of investments can go down as well as up and you may get back less than you invested. Eligibility to invest into a pension depends on personal circumstances and all tax rules may change. With pension products you will not be able to withdraw money until you reach age 55.