Personal Pensions

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UK flag.png This page contains details specific to investors in the United Kingdom (UK). However, it does not apply to residents of the UK who are also United States (US) citizens or US permanent residents.


Personal and stakeholder pensions are private pensions that you arrange yourself. You pay money into a pension fund which you use to buy a regular income when you retire.[1]

Sometimes employers set up group personal or stakeholder pensions for their employees.

Contribution Limits

Tax Considerations

Accumulation Stage

Distribution Stage

The earliest age you can get a personal or stakeholder pension is usually 55, depending on your arrangements with the pension provider or pension trust. You don’t have to be retired from work.[1]

See also


External links