Insights

Plain-English pension guides.

Understand pension statements, charges, old workplace pensions and retirement decisions before you pay for advice or make expensive changes.

Pension statements Charges and fees Advice vs guidance

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Featured guide

Starter guide · 7 min read

What does my pension statement actually mean?

A plain-English guide to the main sections people usually see on pension paperwork: current value, contributions, charges, investment funds, selected retirement age and projected income.

What the statement tells you
What it does not tell you
What to check before making decisions

Useful if you are asking

“I have pension statements, but I don’t know what they actually mean.”

Read the guide

Build your understanding

Coming next

These guides will build into a practical Pension Clarity Hub over time.

Next guide

Am I paying too much in pension fees?

How to think about adviser charges, platform fees, fund costs and the long-term drag of small percentages.

Next guide

Should I consolidate old workplace pensions?

The questions to ask before moving old pensions into one place — and when to be careful.

Next guide

Do I need financial advice or just guidance?

A plain-English explanation of the boundary between information, guidance and regulated financial advice.

Free guide

Not sure where to start?

Download The Pension Clarity Checklist and use it while reviewing your own pension paperwork.

Free PDF

The Pension Clarity Checklist

10 questions to help you look at pension fees, projections, old pots, nomination forms and exit barriers.

Get the free checklist