This pre-authored intranet content, written through Omnicom partnerships agency FUSE for the Department of Work & Pensions, is distributed to employers, who are then able to upload it to their intranet as their own content. I’ve worked in a simple but unpatronising voice, explaining clearly the importance of taking personal responsibility for one’s own pension. Template employer internet content for FUSE/Department of Work & Pensions.

Why it’s so important to get to know how your pension works.

When you’re in the thick of your working life, it’s perfectly normal to find all of your thoughts, day to day, being concentrated on the requirements of your job.

Eventually though (no matter how far off it seems right now) the time will come to retire. When that happens, you’ll be left with just two essential things to think about. The first of these is what you’d really like to do with your time you now that you don’t have to work? The second is whether you have enough money coming in to be able to live the kind of life you’d like without worrying.

These days, with longer life expectancy and better health into later life, most of us want to do very similar things after we retire to the things we enjoyed while we were working. We still want to see friends, take holidays, be entertained, eat out, buy things, treat our families and so on.

So the money you need in retirement may not actually be that much less than the money you needed when you had wages coming in every month.

You’ll get a state pension from the government, which at today’s value has a maximum of £164.35 a week. (This is about £8,500 a year.) So you will see that while this provides a good basic income, you’ll probably want to have  other savings in place to help you enjoy your retirement more comfortably.

For most of us, the only real way to provide for retirement is to build up as much money as you can in a pension fund, while you’re working. Once you retire, this will then pay you an annual income for the rest of your life.

However, how muchincome it pays you each year depends on how much you’ve saved into your ‘pension pot’ over the years.

It’s your future. So it’s your business.

The most important thing to recognise is that your pension is all about your future. About whether you’ll need to worry about money when you retire, or will have enough to relax and do the things you want to.

Because it’s yourfuture, it’s too important to leave to anyone else to worry about, and far too important to put off or ignore completely.

It’s important. And it’s not that hard.

Like most things, once you look into it you’ll find that nothing that you really need to know or understand about your pension is that complicated.

Get your head around the basics of how pensions work, and make sure you know whether you’ve already got any money saved in ‘pension pots’ through companies you may have worked for in the past.

Talk to your Manager, or to HR/Finance, about our workplace pension scheme, too. This is the simplest and most convenient way for you to build up pension regularly, now.

You can use this state pension checker to see how much state pension you should be eligible for.

These are the details of our workplace pension, from the company who act as our pension provider.

[Insert details]

Make it your business to understand what’s happening with your pension arrangements.

It’s not hard, and one day you’ll be glad you did.

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