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What Happens to Your Pension When You Change Jobs?

Switching jobs can be exciting. New role, new responsibilities, new salary (hopefully). But it often raises a question most people push to the bottom of their to-do list: what happens to my pension? Whether you’ve moved once or ten times, it’s easy to lose track of where your money is and what it’s doing. Let’s clear that up.When you leave a job, your workplace pension doesn’t vanish. The money you and your employer paid in stays in the pension pot, and it continues to be invested. Depending on the scheme and where it’s held, it may continue to grow until…
David Gallagher
June 16, 2025
appletree finance pension advice
Latest NewsPension

Could the UK State Pension Age Rise to 70?

Denmark recently made headlines across Europe with the announcement that it will raise its state pension age to 70 by 2040. This change will be phased in gradually, starting with a rise to 68 by 2030 and then to 69 by 2035. It reflects a broader strategy of linking the pension age to life expectancy. This move is likely to influence discussions in other European countries, including the UK, about the future of retirement and pension policy. As it stands, the UK state pension age is 66 for both men and women. Between 2026 and 2028, it is scheduled to…
David Gallagher
June 9, 2025
Appletree Financial services retirement service
Latest NewsPension

Moving into the Decumulation Phase of Retirement Planning

Whether you’re building up a pension, investing, or putting money into savings, the aim is clear: to create a financial safety net for later life. But once you stop working, the goal shifts. Now it’s about how you use what you’ve built. This shift is known as decumulation - using your accumulated assets to fund your retirement. It can be one of the most challenging transitions in personal finance, especially as people live longer and rely more heavily on defined contribution (DC) pensions. So, how do you approach this new phase with confidence? What is decumulation? Put simply, decumulation is…
AppleTreeAdmin
May 12, 2025