Your pension shouldn't be a mystery
A pension is one of the most valuable things you're saving into, yet for a lot of people, it's also one of the least understood.
That's not because people don't care about retirement. It's because most pensions leave you to work everything out on your own
- Whether you're saving enough
- What your money could grow into
- What difference any change might actually make
Turn pension saving into action
We think that's backwards. So we built pension guidance and support to answer three simple questions:
Am I on track for the retirement I want?
What could I do to improve my outcome?
Where can I go if I need help understanding my options?
Real human support, when you need it
Sometimes it’s easier to talk things through. Our 1:1 pension guidance sessions give you the chance to discuss your pension with our team, ask questions and better understand your options. No sales pitch. No jargon.
If you've joined us through work, you'll also be offered a Welcome Session early on. It’s a short, guided introduction to your pension and the Penfold app.
And whenever you have a question, our Customer Support team is on hand to help, in plain English, no matter how big or small the question feels.
Our role is to help you understand your options, not tell you what to do. This is guidance and education, not regulated financial advice. If you need financial advice, we'll always point you towards a regulated adviser.
Personalised guidance, built into the app
Whether or not you've had a 1:1 session, the app helps you take action with confidence:
See your pot, projected income and earliest retirement age at a glance
Add other savings and pensions for the full picture
Set a goal and see if you're on track
Get next steps personalised to you
Learn the "why" with short explainer videos
Transfer, top up or withdraw, all in a few taps.
Guidance that fits your stage of life
The questions change. Your guidance changes with them:
Early career?
See how small contributions now add up.
Mid-career?
Check you're on track for the retirement you want.
Approaching retirement?
Explore your options and combine old pensions.
What you get
- Clarity
Know where you stand, in plain English.
- A clearer next step
See how small changes now shape your retirement.
- A real person
Customer Support, always on hand. 1:1 sessions where they'll help most.
- Action
Transfer, top up or withdraw in a few taps.
Pension guidance and support is included as part of your Penfold workplace pension, with no extra cost to you.
