Joining the pension
- Will you be automatically enrolled?
- A simple guide to pensions
Get the most from your pension
- Use the tools
- Boost your pension
- Approaching retirement
- Payment options
- Your investment options
- Things to know about investing
- What are the charges?
- Check or change your investments
- Common questions
Get startedJoining the pension
Most people will be automatically enrolled into the IBM UK PPP, a Group Flexible Retirement Plan provided by Standard Life Assurance Limited. Even if you’re not, you can usually still join if you want to.
Please take the time to read the information in the important documents on these pages.
What does this mean for you?Pension flexibility
Everyone has control over how they take money from their pension.
There’s a minimum age after which you can withdraw money, but pensions are now one of the most tax-efficient and flexible ways to save for the future.
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You've worked hard all your life to get to this point, so it makes sense to get the most from your pension with a little preparation and planning. There's lots of helpful information right here, including a step by step guide to help you figure out what you should do when.
Your pension is normally a long term investment and you usually can't withdraw money until the age of 55 (may be subject to change). As with any investment, the value can go down as well as up and may be worth less than what was paid in.