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Your retirement is really important - you could be retired for 20 years or more. Deciding what to do with your retirement pot is a big decision and you should think carefully about what’s right for you.

Even if you’re a long way off from retirement, the decisions you make now can make a big difference to how much you’ll get when you take your money out of NEST.  Some things within your control that could have a big effect on your retirement income are:

  • how many years you save for
  • how much your regular contributions are
  • how old you are when you take your money out of NEST

Find out more about your retirement options with NEST

Make a difference to what you can get

You should think carefully about when you want to start taking money from your pot. At 55 you’ll probably still be working. If you put off taking your money out:

  • you’ll be able to keep adding to your retirement pot
  • you could also continue to get employer contributions and tax relief
  • your savings will have more time to grow.

Find out more about what you'll get

Understanding your options

When the time comes to take your money out of NEST, you’ll have a number of options. Find out more about how and when you can access your money.

Your retirement pot

Find answers to questions about your retirement pot in our member help centre.