Is your stakeholder pension working as hard as it should?

Is your stakeholder pension working as hard as it should?

Pension Fees Calculator

Our free pension HealthCheck will carefully assess whether your private pension is being consumed by excessive fees or hidden charges, which could be preventing you from retiring with extra funds.

Simply provide your pension pot size and age below, to calculate how much we could help your pension grow:

The higher the charges, the longer it may take you to retire and the less you could be retiring with.

Stakeholder pension - family image

How does a stakeholder pension work?

Due to stakeholder pensions’ simplicity and stability, people within the UK use them as investments for their children to build up retirement benefits from an early age.

The Government set the minimum standards that stakeholder pensions and their providers need to follow. These include:

  • Limited fund charges
  • Charge-free transfers
  • Flexible contributions
  • Low-value investments


Peace of mind

We work with all major UK pension providers allowing us to find the pension that helps you meet your retirement goals, and ensures your retirement is in experienced hands.

Stakeholder pensions and retirement

pension value

Due to pension freedoms introduced in 2015, you can now access your pension at aged 55 and withdraw 25% as a tax-free lump-sum, should you wish. The value of your stakeholder pension is linked to the following:

  • the amount of money you’ve invested
  • when you made the investments
  • the investment growth of your pension
  • the level of charges made by the pension provider

The amount of income you may receive through a stakeholder pension can vary depending on the policy options selected. Factors including income paid in the event of your death, income increases due to inflation and even the frequency at which you wish to be paid can all affect the value of the funds you receive.

What’s best for you
and your pension?

It is always advisable to get professional financial help when investing in your future and understanding what the best option for you is when you retire.

At Pension Works, we offer a full, independent retirement planning service, to help you get the most from your pension savings. We will assess your current stakeholder pensions or any other private pensions you may have for free and advise on how best to invest your savings to reach your retirement goals.

To start your free stakeholder pension assessment, call 0808 164 2664 today, or start a free Pension HealthCheck online.