Opening hours:
Opening times:
Our opening hours are Monday to Friday, 8:30am to 5:30pm.
On Tuesdays, we’ll open slightly later at 9:45am while our team takes part in training – helping us continue to support you in the best possible way.
Your target retirement age is the age we have on file for when you plan to start taking your pension savings. It’s important this reflects your actual plans, as your investments may automatically and gradually adjust in the years leading up to this date. If the date is wrong, your savings could move too early or too late, which may affect their growth or the income available to you when you retire.
How to check and update your retirement age
You can change your target retirement age at any time, you’re no longer tied to retiring at 60 or 65. Under current legislation, you can access your pension from age 55 (rising to 57 on 6 April 2028).
Log in to your ARC or AOR account to check and update your target retirement age.
- Once you've logged in, go to your dashboard and select View and manage for the Self-invested Personal Pension (SIPP) or pension you want to update.
- Under Useful links on the right-hand side of the page, select Update preferred retirement age. This will open a window where you can change your preferred retirement age.
- Once you've made your changes, select Save. Your preferred retirement age will then be updated automatically for the selected pension.
If you don’t have access to online services, speak to your financial adviser. They can help you gain access for certain transactions. Alternatively, you can call us on:
Call charges will vary
Log in to your Retiready account to check and update your target retirement age.
- Once you've logged in, select Goals. Your current target retirement age will be displayed in the first section.
- Under Explore ways to get on track, update your target retirement age using the slider or by entering an age manually.
- Select Update your forecast to see how changing your target retirement age could affect your retirement forecast.
- If you're happy with the updated forecast, select Save as your goal plan. This will update your target retirement age within your goal plan, but you'll also need to update the retirement age on your pension.
- To do this, select the task in your To-do list that asks you to update the retirement age on your Retiready pension.
- Review the information provided and, if you're happy to proceed, select Update. The change will be processed immediately. If you're invested in a lifestyle fund, we'll automatically move you to the version of the fund that matches your new retirement age.
If you haven’t already activated your account yet, you can do so on the Retiready site. If you don't have an activation code, call us on:
Opening hours:
Opening times:
Our opening hours are Monday to Friday, 8:30am to 5:30pm.
On Tuesdays, we’ll open slightly later at 9:45am while our team takes part in training – helping us continue to support you in the best possible way.
Call charges will vary
Log in to your Aegon & Scottish Equitable Pensions or Bonds account to check your current target retirement age.
- If you would like to change your target retirement age, complete the New retirement date and lifestyle fund instruction form.
- Changing your target retirement age won't automatically change the retirement date your lifestyle fund is targeting. If you'd like your lifestyle fund to match your new target retirement age, make sure you tell us on the form.
- We'll then switch you into the appropriate version of your current lifestyle fund.
If you haven’t already activated your account yet, you can do so here.
Opening hours:
Opening times:
Our opening hours are Monday to Friday, 8:30am to 5:30pm.
On Tuesdays, we’ll open slightly later at 9:45am while our team takes part in training – helping us continue to support you in the best possible way.
What happens next - Customers
What happens next - Trustees
Call charges will vary