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To get a top rating, a pension scheme must have lower than average costs in both year one and beyond. The rest of the score is based on whether the pensions have any additional charges, such as for transferring to a competitor or closing the account.
If a pension gets a top five-star rating, it means it has low ongoing costs as well as no sneaky additional one-off charges. The products mentioned in this article have been independently chosen by Times Money Mentor. This helps fund the website and keeps it free to use. We do not allow any commercial relationship to affect our editorial independence. A ready-made personal pension is one of the simplest ways of saving for retirement.
Pension funds are always the best way to save for retirement because they offer generous tax relief :. For more on this, read our pensions guide. Companies have an obligation to automatically enrol new employees into the pension scheme within three months of them joining the business. Self-employed workers or parents who stay at home to care for children, will need to take matters into their own hands to save towards your pension.
Our list of best personal pensions should come in handy. You could consider a lifetime ISA too. Find out: What is the best pension for self-employed workers?
If you would rather choose your own investments, you are probably best off opening a self-invested personal pension SIPP. However, some charge separate fees which can make it difficult to compare the cost between providers.
Find out more: The impact of fees on investment returns.
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