Planning ahead:

Advice for the under 50s

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, and when you decide to draw down on this. Remember, the value of your pensions can go up as well as down, and can fall below the amount(s) paid in.

Young black woman walking at night checking her phone for retirement tips

Tips for the under 50s

Even if retirement feels far away, it’s a good idea to start putting money away in a pension pot. Start planning your goals for retirement.

Pension tips for the under 50s

Taking on your future

Expert pension guidance and resources from Scottish Widows. With over 200 years’ experience helping people prepare for their later years, you’re in safe hands.

Courtesy of our pension experts at Scottish Widows.

Start planning

Pension Calculators & Tools

Take a look at what your pension could look like. Calculate and compare your options using these tools.

Courtesy of our pension experts at Scottish Widows.

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Closing the gender pension gap

Find out why there is a difference between women and men when it comes to retirement savings, and what you can do about it.

Courtesy of our pension experts at Scottish Widows.

The pension gap

Transfer your pensions

It’s easy to lose track of different pension pots. You could transfer them to one place and you could save time and money in the long run.

Pensions in one place

Meet your future self

Take a look into the future and find out at what age you could retire.

Courtesy of our pension experts at Scottish Widows.

Get started

Get the pensions basics

Watch Pension Basic videos to get useful tips to help you plan for retirement.

Courtesy of our pension experts at Scottish Widows.

Watch now

Savings and Investments


Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

Savings tips

Top tips for saving money. Grow your savings and discover ideas to help you save more.

Savings tips

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options

Start investing

Choose from a range of options to suit your investment level and needs. Manage your own portfolio or let us do it for you.

Discover investments

5-step guide to investing

New to investing? Read the beginner’s guide to get you started in five simple steps.

Beginner’s guide to investing
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Boost your investment skills

Develop your skills, jargon-bust common phrases and learn more about investments with these easy-to-read articles.

Boost your skills

Risk explained

When you understand risk, you can make more informed choices. Discover the different types of risk and how it affects your investments.

More about risk

Costs and charges

Take a look at our investment costs and charges and see how we compare to other providers.

Compare charges

How to research the market

Research tools for both new and experienced investors. The research centre helps you stay up-to-date with the latest market news.

Research the market

Your investor persona

This interactive quiz can help you discover what type of investor you are - and help boost your skills.

Take the quiz

Your home and property


Home has never been so important. Whether you’re buying a property or looking to make some improvements, we’re here to help you take the next step.

You could lose your home if you don't keep up with mortgage repayments.

Young couple sat in a park contemplating buying their first home

First-time buyer mortgages

This handy guide takes you through each step, from finding out how much you could borrow to getting the keys to your first home.

Mortgage guide

Saving for a deposit?

Thinking about buying your first home? Our FAQs for first-time buyers could help.

First-Time Buyer FAQs

Mortgage Calculator Tool

Check how much you could borrow and compare monthly payments to find the right mortgage for you.

Calculate your mortgage

Wealth Management


Whatever your plans, the right advice could help bring them to life. That’s why we’ve partnered with Schroders Personal Wealth, to give more of our customers access to wealth management and financial advice. A Schroders Personal Wealth Adviser will ask about your personal circumstances and aspirations, and develop a plan you can have confidence in.

Older woman sat on a sofa with her tablet managing investments

Investment management

Even in a volatile market with low interest rates Schroders Personal Wealth has the expertise to help you grow your wealth.

Get expert advice

Pension planning

Plan for greater financial freedom in your retirement. Access expert advice to plan for your pension.

Pension advice

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.

Book your appointment

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.