It’s well worth thinking about how much money you want to have and you’re likely to need when you retire, so you can work out how much you need to save each month towards your target. You’ll find information to help you do this at www.which.co.uk/money/pensions-and-retirement.

And remember, you may get an income from other places – for example, most people get the State Pension.

If you are aged 50 or over and are a member of the DC Section of the Scheme (or have a defined contribution pension from elsewhere) you can also get an appointment with Pension Wise, a free service from the government, to discuss the options for taking your money.

To arrange an appointment call them for free on 0800 138 3944 or visit
https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise/book-a-free-pension-wise-appointment.

Even if you're under 50 or not ready to take your money yet, Pension Wise may still be able to help you with more general questions.