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Introducing the Ready-Made Pension

Our Ready-Made Pension is a smarter way of planning for the future.

Built and managed by our expert fund managers, your pension is invested based on your chosen retirement age.

If you’re years away from retiring, we invest in a way to give you the best chance of growth. As you near retirement, we move you to lower-risk investments to protect your pension value.

Halifax serves and supports millions of customers across the UK. We’ve made it easy for you to track your pension performance alongside your other accounts with us.

Whatever retirement means for you, discover how it can be made easier with a Ready-Made Pension.

Ready-Made Pension

Is a Ready-Made Pension for you?

If you want to consolidate the pensions you no longer pay into, open a new pension, or you’re self-employed, our Ready-Made Pension is made for you.

Is a Ready-Made Pension for you?

If you want to consolidate the pensions you no longer pay into, open a new pension, or you’re self-employed, our Ready-Made Pension is made for you.

Do you have one or more pension pots?

Combine any old pensions you no longer pay into, creating one, easy-to-manage pot.

Combine your pensions

Are you new to pensions?

If you’ve never saved into a pension before, we can help you get started. The earlier you start, the better.

Ready-Made Pensions

Do you want another pension?

Even if you already have a workplace pension, a personal pension may give you more control over your retirement savings, helping you make the most of your annual allowance.


Ready-Made Pensions

Are you self-employed?

If you’re thinking about getting a pension and you work for yourself, we can help.

Self-employed pensions

Confused by pensions?

You don’t need to be. Take a little time to explore the basics and play with our calculator, and you’ll soon realise a pension is simply just a great way to save for your future.

Pensions explained

Do you want to understand pensions a little better? We can take you through how pensions work and why they could make all the difference to your income when you come to retire.

Pensions explained

Top tips

Read our top tips for how to grow your pension, maximise your contributions, access your retirement savings, and more.

Our top tips

Are you saving enough?

Our pension calculator can show you what your retirement income could look like. See what happens when you change what you contribute or the age at which you retire.

Our pension calculator

Retirement options

There are several ways you can take your money at retirement. You may already know what you’d like to do, but our retirement partners, Scottish Widows, can help you understand all your available options.

Your retirement options

Existing Ready-Made Pension customers

If you’re an existing Ready-Made Pension customer, find out how you can manage your pension with us.

Top up, transfer in old pensions, track your performance or access your money when the time is right.


View more details

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Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Eligible investments with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). For further information about the compensation provided by the FSCS, refer to the FSCS website at You can also visit our Financial Services Compensation Scheme page for more details.