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What if I die before I take my pension benefits? A long-term savings plan. Find out more about how pensions work and why you should save into them in our guide Why save into a pension? Back to top. Find out more about it in our guide The State Pension.
There are two main types of workplace pension schemes:. With a defined contribution pension scheme you pay in a percentage of your salary and your employer also contributes to it. The contributions are then invested by the pension provider.
As with all investing, the value of your pension could go down as well as up and you may get back less than you put in. Defined benefit pension schemes are also sometimes known as final salary pension schemes. You may still have to pay contributions, and your employer usually will too.
A personal pension, also known as a private pension, is a type of pension you can set up yourself. You can have a personal pension even if you already have a pension through your employer.
As with a workplace pension, the government will also contribute to your personal pension through tax relief. As with all investing, the value of your pension could go down as well as up, so you could get back less than you put in. There are three main types of personal pension:. The provider should offer various investment strategies for you to choose from depending on your personal circumstances and attitude to risk.
Stakeholder pensions have low minimum contribution amounts, only a few investment options and caps on how much the provider can charge you. A self-invested personal pension SIPP is a type of personal pension that lets you manage how your money is invested.
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