Approaching retirement

Make a start on planning how you’re going to use your money at retirement.

The longer your money is invested the more chance it has to grow.

Even if your extra contributions are only invested for five or ten years, if you get positive investment returns, you will have made more money for your pension.

Contributions made through our salary sacrifice arrangement, PaySmart, also receive tax and National Insurance relief. This means that any money you pay in will also include the tax and National Insurance you would otherwise have had to pay to the Government. Watch our short video to find out how this works.

Don’t forget that AXA also contributes to the Mastertrust on your behalf. Visit our contributions calculator to see what AXA pays and how your pay would change if you contributed more.


This section explains what to expect when you reach retirement and how to plan for it.

Find out more