The ideal time to start is always now, regardless of your age. The earlier you begin, the more time your money has to grow through compounding, which can significantly increase your retirement fund. But even if you’re getting a later start, a well-structured plan can still make a major difference to your long-term financial security. At Fortis, we help you understand what’s possible at every stage of life.

The amount you should contribute depends on your income, age, existing pension savings, and the lifestyle you hope to enjoy in retirement. There’s no one-size-fits-all answer. Our advisers analyse your current position and build a personalised contribution plan that balances what you can afford now with what you’ll need later.

If you move to a new employer, your pension doesn’t disappear. In most cases, you can leave it in your old scheme, transfer it to your new employer’s plan or move it into a Personal Retirement Bond (PRB) in your own name. Each option has advantages depending on fees, flexibility and your long-term goals. Fortis reviews your past pensions and guides you toward the option that gives you the most clarity and control.

Most pensions can be accessed from age 60, but there are some exceptions. Certain schemes allow earlier access in cases such as long-term ill health, redundancy or specific rules around older pension products. Early access can affect the value of your retirement fund, so it’s important to understand the full financial impact before making a decision. Our advisers walk you through the rules and help you choose the option that best supports your future.