Skip Header
In this section

Saving for retirement

Whether you’re in your 20s or your 50s, there’s a great deal you can do to create a retirement plan that suits you.

Your pension savings profile will vary depending on your age, when you want to retire and the type of retirement you want to enjoy. We can help you understand how much you’ll need, whether you’re on track for it and what income options are available.

Saving in your 20s and 30s

Time is on your side. But for every 10 years you wait, you may have to pay in double to get the same amount when you retire.

Saving in your 40s

By the time you retire, the state pension age may be higher and the pension amount lower than today.

Saving in your 50s

You may have big decisions to make about your pension. And you may have retirement savings in numerous places.

If you’re self-employed you can find out more details on saving for your future on our pensions for the self-employed page.

Which? Recommended Provider for Self-Invested Personal Pensions, July 2021


Which? Recommended Providers are companies that are both rated highly by Which? the public and customers and have products that meet the high standards of Which? researchers.


An essential guide to saving for retirement

Did you know a single person will need about £30,000* a year for a comfortable retirement? With the new State Pension paying a maximum of £9,339.20 per year, there’s clearly a gap.

Our guide provides you all the information you need to make sure you’re ready for the future you want.

Download guide >>

Source: Pension and Lifetime Savings Association - UK Retirement Living Standards October 2019.



Open a SIPP

Easy to manage and tax-efficient, our self-invested personal pension plan gives you access to investment guidance, market insights and tools to help you plan your retirement.

Explore our SIPP

Pension savings are easier to control when they’re all in one place

Bringing your pensions together in Fidelity’s Self-Invested Personal Pension (SIPP) is one way to take control of your retirement savings. Plus get £20 to £1,000 cashback (exclusions, T&Cs apply).

Find out more

Unlocking women's financial power

Working with Fidelity, women can realise their financial strength.

GET INvested

The Fidelity customer quote shown on this page has been provided by a real Fidelity customer. In the interests of privacy the name has been changed.

The value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP or Junior SIPP depends on personal circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP until age 55.