Pension Experts

Why review your pension 2025

The Triple Lock is one of the most important policies affecting how much pensioners in the UK receive each year from the state pension. Understand how this policy could affect your financial future with our expert breakdown.

Should You Review Your Pension in 2025? Here’s Why Thousands of Brits Are Doing It Now Retirement may seem far off — or right around the corner — but either way, reviewing your pension in 2025 could save (or make) you thousands.

At Pension Advisory Bureau, we speak to people every day who want clarity, control, and confidence in their retirement planning. In this post, we’ll break down why 2025 is a crucial year to take a fresh look at your pension.

Why Pension Reviews Are Surging This Year

  • Hidden Fees Are Still Draining Pensions
    Many older-style pensions come with high annual charges, eating into your future pot. Even a 1% charge difference could cost you tens of thousands over the life of your plan.
  • Pension Performance Varies Widely
    Not all pensions are created equal. Some older funds underperform dramatically compared to modern, diversified alternatives. A pension review could reveal better-performing options.
  • You May Have Multiple Pensions
    If you’ve changed jobs over the years, you might have lost track of old pensions. Consolidating them could help you save on fees and simplify your retirement planning.

What a Pension Review Involves

At Pension Advisory Bureau, we offer a free, no-obligation pension review that includes: Identifying all your pensions (even lost ones) Checking fees, fund performance, and accessibility Helping you understand your retirement timeline and options Everything is explained in plain English — no jargon.

Warning Signs You Might Need a Pension Review

You don’t know how much your pension is worth You haven’t reviewed your pension in the last 12–24 months You’re unsure when or how you can access it Your pension is from a job you left years ago

What Our Customers Say

“I had three different pensions and no idea what they were worth. The Pension Advisory Bureau helped me combine them and saved me over £12,000 in fees.”
— Tom S., Birmingham

Don’t Leave It Too Late

The sooner you review your pension, the more time you have to optimise your retirement income. Even small improvements today can lead to a more comfortable future.