Starting out

When you’re young, saving for the future might not seem like a priority.

It’s up to you how much you want to pay into your pension, but remember that the more you save now, the higher your income is likely to be when you stop working.

Contributions made through our salary sacrifice arrangement, PaySmart, also receive tax and National Insurance relief, which means it doesn’t cost as much as you might think to add more to your Account. 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