<commit_before>---
concise_label: 6 steps
description: Understand the options for your pension pot by following these steps.
---
<h1 id="steps-you-need-to-take">6 steps you need to take</h1>

<p>You need to have a <a href="/pension-types">defined contribution pension</a>
  - a pension based on how much has been paid into your pot - for these pension
  choices to apply to you. Check with your pension provider if you’re not sure
  what type of pension you have.</p>

<p>You can either follow these steps in order or simply read the guides you’re most interested in.</p>

<div class="journey-overview">
  <!-- 1 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step1">
      <a href="/pension-pot-value">
        <span class="journey-overview__number journey-overview__number--1">1.</span>
        Check how much is in your pension pot
      </a>
    </h2>

    <p>You can ask your pension provider to tell you how much is in your pot. You can also look
      at information your provider has sent to you already, eg a pension statement.</p>
  </section>

  <!-- 2 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step2">
      <a href="/pension-pot-options">
        <span class="journey-overview__number journey-overview__number--2">2.</span>
        What you can do with your pension pot
      </a>
    </h2>

    <p>There are different ways you can take money from your pension pot. You can get an income, take cash, or mix your options. You decide when you start taking money from your pot.</p>
  </section>

  <!-- 3 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step3">
      <a href="/making-money-last">
        <span class="journey-overview__number journey-overview__number--3">3.</span>
        Plan how long your money needs to last
      </a>
    </h2>

    <p>Your costs and financial needs are likely to change during retirement. You need to think about when you’ll start taking money from your pension pot and how much you’ll need at different times.</p>
  </section>

  <!-- 4 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step4">
      <a href="/work-out-income">
        <span class="journey-overview__number journey-overview__number--4">4.</span>
        Work out how much you’ll have in retirement
      </a>
    </h2>

    <p>How much income you have is likely to change as you get older. Work out how much money
      you’ll get from your pension and from other income you have and how it’ll cover your costs.</p>
  </section>

  <!-- 5 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step5">
      <a href="/tax">
        <span class="journey-overview__number journey-overview__number--5">5.</span>
        Watch out for tax
      </a>
    </h2>

    <p>Your income in retirement is taxed, just like it is when you’re in work.</p>
  </section>

  <!-- 6 -->
  <section class="journey-overview__item last-child">
    <h2 class="journey-overview__heading" id="step6">
      <a href="/shop-around">
        <span class="journey-overview__number journey-overview__number--6">6.</span>
        Shop around for the best deal
      </a>
    </h2>

    <p>Remember that you don’t have to stay with your current pension provider. People usually benefit from taking time to shop around and compare products. The pack your provider sends you when you reach retirement age is likely to only include information about their own products.</p>
  </section>
</div>

<ul class="pager">
  <li class="pager__item pager__item--next">
    <a href="/pension-pot-value" rel="next">
      <span class="pager__label">Next</span>
      <span class="pager__title">
        <span class="t-pager__item-next">Check how much is in your pension pot</span>
      </span>
    </a>
  </li>
</ul><commit_msg>Switch to ‘more on’ links on 6 steps<commit_after>---
concise_label: 6 steps
description: Understand the options for your pension pot by following these steps.
---
<h1 id="steps-you-need-to-take">6 steps you need to take</h1>

<p>You need to have a <a href="/pension-types">defined contribution pension</a>
  - a pension based on how much has been paid into your pot - for these pension
  choices to apply to you. Check with your pension provider if you’re not sure
  what type of pension you have.</p>

<p>You can either follow these steps in order or simply read the guides you’re most interested in.</p>

<div class="journey-overview">
  <!-- 1 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step1">
      <span class="journey-overview__number journey-overview__number--1">1.</span>
      Check how much is in your pension pot
    </h2>

    <p>You can ask your pension provider to tell you how much is in your pot. You can also look
      at information your provider has sent to you already, eg a pension statement.</p>

    <p><a href="/pension-pot-value">More on pension pot value</a></p>
  </section>

  <!-- 2 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step2">
      <span class="journey-overview__number journey-overview__number--2">2.</span>
      What you can do with your pension pot
    </h2>

    <p>There are different ways you can take money from your pension pot. You can get an income, take cash, or mix your options. You decide when you start taking money from your pot.</p>

    <p><a href="/pension-pot-options">More on your options</a></p>
  </section>

  <!-- 3 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step3">
      <span class="journey-overview__number journey-overview__number--3">3.</span>
      Plan how long your money needs to last
    </h2>

    <p>Your costs and financial needs are likely to change during retirement. You need to think about when you’ll start taking money from your pension pot and how much you’ll need at different times.</p>

    <p><a href="/making-money-last">More on making your money last</a></p>
  </section>

  <!-- 4 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step4">
      <span class="journey-overview__number journey-overview__number--4">4.</span>
      Work out how much you’ll have in retirement
    </h2>

    <p>How much income you have is likely to change as you get older. Work out how much money
      you’ll get from your pension and from other income you have and how it’ll cover your costs.</p>

    <p><a href="/work-out-income">More on working out your income</a></p>
  </section>

  <!-- 5 -->
  <section class="journey-overview__item">
    <h2 class="journey-overview__heading" id="step5">
      <span class="journey-overview__number journey-overview__number--5">5.</span>
      Watch out for tax
    </h2>

    <p>Your income in retirement is taxed, just like it is when you’re in work.</p>

    <p><a href="/tax">More on tax</a></p>
  </section>

  <!-- 6 -->
  <section class="journey-overview__item last-child">
    <h2 class="journey-overview__heading" id="step6">
      <span class="journey-overview__number journey-overview__number--6">6.</span>
      Shop around for the best deal
    </h2>

    <p>Remember that you don’t have to stay with your current pension provider. People usually benefit from taking time to shop around and compare products. The pack your provider sends you when you reach retirement age is likely to only include information about their own products.</p>

    <p><a href="/shop-around">More on shopping around</a></p>
  </section>
</div>

<ul class="pager">
  <li class="pager__item pager__item--next">
    <a href="/pension-pot-value" rel="next">
      <span class="pager__label">Next</span>
      <span class="pager__title">
        <span class="t-pager__item-next">Check how much is in your pension pot</span>
      </span>
    </a>
  </li>
</ul>
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