When can I access my private pension?
The minimum age to access most private and workplace defined contribution pensions is currently 55, rising to 57 in April 2028. If you were born before April 1971 you may be able to access your pension at 55 before the change takes effect — but the rules are complex and advice is recommended if you're planning around this.
When can I access my state pension?
The State Pension age is currently 66 for both men and women, rising to 67 between 2026 and 2028. Check your State Pension age and forecast at gov.uk/check-state-pension. The full new State Pension for 2025/26 is £221.20 per week — but your entitlement depends on your National Insurance record. You generally need 35 qualifying years for the full amount.
Can I access my pension early?
In very limited circumstances — serious ill health, or a protected pension age from a pre-2006 arrangement. Accessing a pension before 55 outside these cases is a common pension scam. If anyone offers access before 55, treat it as a scam — you could face a 55% tax charge or more.
Should I take my pension as soon as I can?
Just because you can doesn't mean you should. Every year you delay and every year you continue contributing significantly increases your pot. A pension adviser can model the impact of accessing your pension at different ages to help you make the optimal decision.
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