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Campaigns | Better pensions

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Over 55s fear pension scams - Which? research

Our research finds that a third of over 55s have been contacted about their pension by companies that could be frauds, yet many aren't sure they can spot a genuine investment and four in ten think they could fall victim to a scam.


New help from Which? on pension choices

With just weeks to go until the government’s pension freedoms start giving people greater flexibility on how to use their savings, Which? is launching a free guide to help people make the most of their Pension Wise session and secure a good deal for their hard-earned savings.

Our free Pension Wise explained guide.

Which? executive director, Richard Lloyd, said:

'The government’s reforms will offer people welcome flexibility over what to do with their savings. But people approaching retirement aren’t going to turn into financial experts overnight and so, with more options on the table, it’s vital people take their time to make the new freedoms work for them.'

A complex financial decision

It's important people take their time to consider their choices, because turning pension savings into retirement income is one of the most complex financial decisions they will ever have to make. While we think it’s right people have more freedom over how they spend their savings, it's also vital they are aware of the risks of making quick decisions. For example, we have calculated that if someone really did use their pension pot to buy a Lamborghini, they could end up paying enough tax to buy a Porsche.

Free Pension Wise guide

Our free Pension Wise explained guide offers tips to get the most out of the Pension Wise guidance service, including advice on things to consider in advance and questions to ask during your appointment.


Government cracks down on hidden pension charges

The Government has committed to greater transparency on hidden pension charges in a win for our Hands off my Pension campaign.


Pension fees cap for auto-enrolment schemes

Pensions Minister Steve Webb has launched a consultation on capping pension scheme charges for employees signed up under auto-enrolment. He is considering an outright ban on all charges above 0.75%.

Unfair workplace pension charges… banned!

We lobbied the Government for a ban on consultancy charges for work place pensions and won.

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