Guidance

Helping you feel more confident about retirement

Most pensions tell you how much you've saved. Ours helps you understand what that means, and what you could do next.

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A photo of a man smiling while looking at a laptop and excerpts of the Penfold pension app showing retirement savings and contributions screens

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 for help?

A photo of a woman smiling and an excerpt of the Penfold pension app showing forecasted retirement savings

Talk to a real person, whenever you want to

Sometimes a screen isn't enough. Our 1:1 pension guidance sessions let you talk through your pension with our team, no sales pitch, no jargon.

If you've joined us through work, you'll also be offered a Welcome Session early on, 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 advice, we'll always point you towards a regulated adviser.

A photo of a man smiling and excerpts of the Penfold pension app showing integrations with work chats

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.

A photo of a man sat at a desk smiling at a colleague

What you get

  • Clarity

    Know where you stand, in plain English.

  • A plan

    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.