PenFit Individual · Value your retirement.

What will you value in retirement?

Retirement is about more than income. PenFit™ starts with what matters to you and shows how different retirement approaches line up with those priorities — including the compromises each one asks you to make.

Free to use

🔒 This demo keeps your answers on this device only. Nothing is saved, sent to PenFit or sent to a pension scheme.

No financial fact-findPenFit asks what matters to you. It does not ask you to complete a full financial fact-find.

No product recommendationsPenFit compares retirement approaches and trade-offs; it does not recommend a pension product.

Trade-offs made visibleWhat do I get? What do I not get? Can I change later? See the trade-offs across six retirement approaches.

Before we start

There is no perfect pension.

Retirement values can pull in different directions. More certainty can mean less access. More flexibility can mean less security. Keeping pension wealth can mean accepting more uncertainty.

So why might nothing score 100%?

100% would mean a design delivered everything you value without meaningful compromise. In practice, retirement choices involve trade-offs, so even the approach that lines up best with you may not reach 100%.

One quick check

Is the DC pension pot you are thinking about more than £10,000?

PenFit is designed for pots where there are likely to be meaningful retirement choices to compare.

What happens next

We’ll show you 12 simple pairs of statements.

For each pair, choose which statement matters more to you — and how much more. There are no right or wrong answers.

How the A and B choices work

A+

A matters much more

A

A matters more

A/B

Both matter about the same

B

B matters more

B+

B matters much more

Your answers help PenFit™ understand what is most important to you in retirement and compare six different retirement approaches.

Question 1 of 128%

Which matters more to you?

Choose between these two statements

A

B

How much more does this matter to you?

Review

Happy with your answers?

You can change any answer before you submit. PenFit™ treats these as evidence about what matters to you — not as product choices.

Your PenFit™ results

How the six pension approaches line up with what matters to you

%

What does the score mean?

The percentage shows how closely each pension approach matches the things you told us matter to you. Higher means a closer fit.

It is not a return forecast, probability of success or product recommendation. The top result is not rebased to 100%.

The highest score is your closest fit — not a perfect answer.

Retirement choices involve real trade-offs. The gap that remains shows where even the closest approach cannot deliver everything you value at the same time.

Your life changes — so may your priorities.

PenFit is a snapshot of what matters to you today. Not happy with the result? Run PenFit again — and rerun it as your priorities change.

Optional next step

See how your pension options compare

PenFit™ has compared retirement approaches first. A live scheme version could now show which options in your own pension use the same approach.

Illustrative demo only. These are examples of the language an individual might see in a wake-up pack or provider website. They are not product recommendations.

1

Flexible Income
Often called drawdown

Example

2

Secure Income
Often provided through an annuity

Example

3

Target Income
May be provided through a collective pension or CDC

Example

What a live scheme version could do

Instead of these examples, this page could show the names of the actual retirement options offered by the individual's pension scheme and explain which PenFit™ pension approach each option most closely corresponds to.