Financial Future Hub

Your retirement:

Tips for the under 50's

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

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Planning ahead

Even if retirement feels far away, it’s a good idea to start a pension pot. Start planning your goals for retirement. 

Pension tips for the under 50s

Transfer your pensions

Transfer different pension pots to one place and you could save time and money in the long run.

Find out how

Closing the pension gender gap

Find out why there is a difference between women and men when it comes to retirement savings, and what you can do about it.

Courtesy of our pension experts at Scottish Widows.


The pension gapOpens in a new tab

Pension calculators & tools

Use these tools to see what your pension could look like.

Courtesy of our pension experts at Scottish Widows.

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Meet your future self

Take a look into the future and find out at what age you could retire.

Courtesy of our pension experts at Scottish Widows.


Get startedOpens in a new tab

Plan for your future

Expert pension guidance from Scottish Widows. With over 200 years’ experience helping people prepare for their later years, you’re in safe hands. 

Courtesy of our pension experts at Scottish Widows.

Start planningOpens in a new tab

Get the pensions basics

Watch the Pension Basics videos to get useful tips to help you plan for retirement.

Courtesy of our pension experts at Scottish Widows.

Watch nowOpens in a new tab

Savings and investments

Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Remember, the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek independent advice. Tax treatment depends on personal circumstances and may be subject to change.

Savings tips

Top tips for saving money. Grow your savings and discover ideas to help you save more.  

Tips to help you save

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options
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Ways to invest

Manage your own investments or let us do it for you. We have a range of options to suit all levels of experience. 

Investment options

5-step guide to investing

New to investing? Read the beginner’s guide to get you started in five simple steps.  




Beginners guide

Boost your investment skills

Easy-to-read articles to boost your skills and learn more about investing. 

Boost your skillsOpens in a new tab

Risk explained

Informed choices come from understanding risk. Discover the different types of risk and how it affects your investments. 

Read our helpful guide

How much does it cost?

Want to know more about potential fees? Take a look at our investment charges and see how we compare with other providers.

Investment charges

Your investor persona

This interactive quiz can help you discover what type of investor you are – and help boost your skills. 

Take the quizOpens in a new tab
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Research the market

Our research centre helps you stay up-to-date with the latest market news. 

View our research centre

Your home

If you’re considering buying a property or looking to make some improvements, we’re here to help you take the next step. We are proud to offer mortgages provided by Halifax.

You could lose your home if you don’t keep up your mortgage repayments.

Buying your first home

Our guide takes you through the seven key steps of buying a house in Scotland.

Seven key steps
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First-time buyer mortgages

When you’re ready to buy your first home, this handy guide can help you with every step. 

Mortgage guide

Mortgage calculator

See how much you could borrow and calculate your monthly repayments. 

Calculator and tools

Expert financial advice

Getting the right advice can make all the difference. That’s why we’ve partnered with Schroders Personal Wealth to give you access to their expert advisers. 

Pension planning

Plan for greater financial freedom in your retirement. Access expert advice to plan for your pension. 

Pension advice
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Investment management

Even in a volatile market with low interest rates, find out how Schroders Personal Wealth could help you grow your wealth.

Get expert advice

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.  

Book your appointment