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Your pension is one of the most valuable things you will ever own. Today, I want to run you through a load of things you can do to improve yours in 2025.

Talk 1-on-1 with a financial advisor
https://getmost.co.uk/financial-advice-guidance

The broker I use: ????
Trading 212
Get free fractional shares worth up to £100 with Trading 212 through this link:
https://www.trading212.com/join/DAMIEN. Terms apply.
This is an affiliate link, I may earn a commission.
If you do not get your free share after depositing £1, use promo code DAMIEN. You will find it in the section with the three lines in the bottom right corner of the app.
Capital at risk when investing.

My free resources ????
Free investing in index funds course: https://financialinterest.com/....index-funds-for-begi
Workplace pension cheat sheet: https://financialinterest.com/....pension-provider-che
Index fund cheat sheet: https://financialinterest.com/....index-fund-cheat-she
Student loan repayment info: https://financialinterest.com/....student-loan-repayme
Financial health dashboard: https://financialinterest.com/....financial-health-das
Our newsletter: https://financialinterest.com/
Investing guides for beginners: https://financialinterest.com/investing/

This video does not represent financial advice, and I am not a financial advisor. When investing, your capital is at risk. Investments can rise and fall and you may get back less than you invested. Past performance is no guarantee of future results.

1. How much are you really getting?
More information on the qualifying earnings
https://thepeoplespension.co.u....k/help/knowledgebase
2. Ask them what is the maximum Match you provide
Nest Paper: https://www.nestinsight.org.uk..../wp-content/uploads/
3. Salary sacrifice.
https://getpenfold.com/employe....r-tools/what-is-sala
4. Relief at Source
Just contact HMRC to get your money back - 0300 200 3310
https://www.firstwealth.co.uk/....article/dont-leave-m
5. Net pay
https://www.moneyhelper.org.uk..../en/pensions-and-ret
6. Default funds - Pension fund cheat sheet
https://financialinterest.com/....pension-provider-che
VWRL global fund - https://www.vanguardinvestor.c....o.uk/investments/van
7. Partial transfers
Please check with your pension provider if they allow them and the rules around this. Please make sure you state you want to remain in the scheme.
8. Pension advice
Details on the allowance https://www.gov.uk/plan-retire....ment-income/get-fina
9. Free advice
Over 50
https://www.moneyhelper.org.uk..../en/pensions-and-ret
Under 50
https://www.moneyhelper.org.uk..../en/contact-us/pensi
10. How much do you need? (pension calculator)
The pension calculator from II makes some significant assumptions regarding fees and other factors, which are worth considering when using it. Please see the section titled "The calculation is just a guide and makes some assumptions" for a full list of these.
I have linked another calculator from Aviva below, along with a basic compound interest calculator, so you can try a few different options. However, please remember to consider the impact of fees on long-term returns when making your calculations and just use these calculators as a guide.
https://www.ii.co.uk/ii-accoun....ts/sipp/pension-calc
https://www.direct.aviva.co.uk..../myfuture/Retirement
https://www.thecalculatorsite.....com/finance/calculat
11. Missing pension
https://www.gov.uk/find-pension-contact-details
12. Paying for missing NI
https://www.gov.uk/check-national-insurance-record
13. Pension Carry forward https://www.moneyhelper.org.uk..../en/pensions-and-ret

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Time stamps
00:00 - Pensions
00:27 - Work scheme
00:51 - Qualifying earnings
01:56 - Maximum match
02:47 - How is money paid in?
03:11 - Salary sacrifice
04:18 - Relief at source (are you owed £000s?)
05:40 - Net pay
05:56 - Default funds
07:37 - Partial transfers
08:15 - Getting pension advice
08:34 - Getting free guidance
09:09 - How much will you need?
09:56 - Real returns
11:17 - Lost pensions
11:39 - Paying for missing years
12:51 - Pension carry forward
13:03 - Ltd company director
13:51 - Sole traders
14:45 - Enjoy it
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