We often say it’s never too early to start thinking about your retirement, but what if you’re coming to it later in life? 

Whether you’ve been through a divorce, had a career-break or can see your retirement on the horizon, there are many ways to get the most out of your pension, whatever your circumstances.

This week, we’re joined by Liliana Gonzalez, Training Consultant at Civil Service Pensions, who tells us why it’s never too late to start planning for your financial future and retirement.

She explains how you can boost your retirement savings by taking practical steps from Effective Pension Age (EPA) and Added Pension to Additional Voluntary Contributions (AVCs).

Liliana also reminds us that the Pension Portal is the fastest way to check on how much your pension is worth, get a forecast for your retirement using our Retirement Modeller and make sure all the information we have for you is correct, especially if we need to contact you. 

All episodes in Season 2 were recorded between June – August 2023, and are accurate at the time of recording.

Useful links:
Increasing your pension
Pension Portal
Retirement Modeller
Tools and calculators
Yearly Pensions Increase (PI)

We often say it’s never too early to start thinking about your retirement, but what if you’re coming to it later in life? Whether you’ve been through a divorce, had a career-break or can see your retirement on the horizon, there are many ways to get the most out of your pension, whatever your circumstances.
This week, we’re joined by Liliana Gonzalez, Training Consultant at Civil Service Pensions, who tells us why it’s never too late to start planning for your financial future and retirement.
She explains how you can boost your retirement savings by taking practical steps from Effective Pension Age (EPA) and Added Pension to Additional Voluntary Contributions (AVCs).
Liliana also reminds us that the Pension Portal is the fastest way to check on how much your pension is worth, get a forecast for your retirement using our Retirement Modeller and make sure all the information we have for you is correct, especially if we need to contact you. All episodes in Season 2 were recorded between June – August 2023, and are accurate at the time of recording.
Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/managing-your-pension/increase-your-pension/">Increasing your pension</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/">Pension Portal</a></li>
<li><a href="https://retirementmodeller.civilservicepensionscheme.org.uk/modeller/intro">Retirement Modeller</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/tools-and-calculators/pension-calculators/">Tools and calculators</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/retired-left-or-leaving/retired-and-receiving-your-pension/yearly-pensions-increase-pi/">Yearly Pensions Increase (PI)</a></li>
</ul>

The Civil Service Pension Scheme is one of the best workplace pension schemes in the UK public sector. But what makes it so good?

We want members of the scheme to feel informed and empowered when it comes to planning for their financial future, but we know that pensions can feel complicated and difficult to understand.

This podcast aims to make things simple - whether you're working or retired, if you've left the Civil Service - or even if you're thinking about joining the Civil Service - there's something for everyone.

Hosts Rob Walker and Emily Eccles from MyCSP (the scheme administrator for Civil Service Pensions) take things back to basics. Their conversations will help you get to grips with your pension and even make some informed decisions about your future. No question is too small and no answer is too complex.

Each episode explores different aspects of the scheme. With expert guests and members talking about their life experiences and perspectives, and how these events have affected their views on retirement and their pension. Each informative episode could help you think about your pension in different ways.

Many people believe that a pension is something to think about later in life, or something to get round to dealing with eventually. That just isn't true. It’s never too early to start saving or planning for your future beyond work.

Your pension is one of your most valuable assets and the decisions you make now can have a huge impact further down the line. It is a crucial personal financial benefit and your ticket to living your best life when you're no longer working. It's key to making your retirement years as fulfilling and rewarding as possible.

From learning the basics, we explore a number of topics surrounding pensions and the scheme itself. Our first series features case studies of members in their 20s and 30s through to retirement, as well as discussions around the Gender Pension Gap, discovering how common life events can affect your ability to save for the future and the steps you can take to boost your pension.

Even if you've never worked for the Civil Service before, this podcast is full of useful information and advice for anyone with a workplace pension. We hope you enjoy it.

To find out more about the scheme, visit www.civilservicepensionscheme.org.uk

The Civil Service Pension Scheme is one of the best workplace pension schemes in the UK public sector. But what makes it so good?
We want members of the scheme to feel informed and empowered when it comes to planning for their financial future, but we know that pensions can feel complicated and difficult to understand.
This podcast aims to make things simple - whether you're working or retired, if you've left the Civil Service - or even if you're thinking about joining the Civil Service - there's something for everyone.
Hosts Rob Walker and Emily Eccles from MyCSP (the scheme administrator for Civil Service Pensions) take things back to basics. Their conversations will help you get to grips with your pension and even make some informed decisions about your future. No question is too small and no answer is too complex.
Each episode explores different aspects of the scheme. With expert guests and members talking about their life experiences and perspectives, and how these events have affected their views on retirement and their pension. Each informative episode could help you think about your pension in different ways.
Many people believe that a pension is something to think about later in life, or something to get round to dealing with eventually. That just isn't true. It’s never too early to start saving or planning for your future beyond work.
Your pension is one of your most valuable assets and the decisions you make now can have a huge impact further down the line. It is a crucial personal financial benefit and your ticket to living your best life when you're no longer working. It's key to making your retirement years as fulfilling and rewarding as possible.
From learning the basics, we explore a number of topics surrounding pensions and the scheme itself. Our first series features case studies of members in their 20s and 30s through to retirement, as well as discussions around the Gender Pension Gap, discovering how common life events can affect your ability to save for the future and the steps you can take to boost your pension.
Even if you've never worked for the Civil Service before, this podcast is full of useful information and advice for anyone with a workplace pension. We hope you enjoy it.
To find out more about the scheme, visit <a href="http://www.civilservicepensionscheme.org.uk">www.civilservicepensionscheme.org.uk</a>

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