Which? Are you on track for a comfortable retirement?
Sep 18, 2025
Paul Davies, a pensions expert with Which? Money, and Charlene Young from AJ Bell explore essential retirement planning. They break down the differences between defined contribution and defined benefit schemes, highlighting the importance of workplace pensions and auto-enrolment rules. The duo also discusses finding and consolidating lost pension pots, as well as practical savings tips like employer matching and budgeting. Additionally, they clarify state pension eligibility and suggest effective steps to ensure a comfortable retirement.
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Make Time To Review Your Pensions
- Pension Awareness Week is a prompt to check pensions and assess how on track you are.
- Paul Davies urges taking time to review contributions and pot sizes even if life is busy.
Don't Opt Out Of Auto-Enrolment
- Stay enrolled in your workplace pension to get employer contributions and tax relief.
- Charlene Young highlights auto-enrolment as effortless saving many people already benefit from.
Track Down Lost Pension Pots
- Track down lost workplace pensions using your work history and government tracing services.
- Charlene Young recommends compiling employment details and using provider or government tracing tools.