Workplace Pensions

A workplace pension scheme is a way of saving for your retirement through contributions deducted from your wages.

For the employed, the pension scheme offered by their employer is an important part of pension planning.

Employers must automatically enrol all eligible employees into their workplace pension. You can opt-out of your employer’s scheme if you wish, but because they have to pay at least 3% of your salary into your pension (alongside your personal minimum contribution of 5%), you’d be missing out on a free source of pension funding.

You can, of course, contribute more than 5%, and many employers also choose to increase their contribution as part of an overall benefits package. Having a workplace pension doesn’t stop you from setting up and paying into a personal pension and it’s worth having both if you can.

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Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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