Welcome to your Howdens Retirement Savings Plan

Whether you're planning ahead or ready to retire, Howdens wants to help you make the right choices.

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Review and manage your plan online

Use your computer, tablet or mobile to:

  • check how much your plan is worth and update your personal information
  • get a retirement illustration and view plan information
  • switch funds, make a payment, or a withdrawal from age 55 (may be subject to change) for some products
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Things make more sense when you bring them together

Having just one pension can make it easier for you to see how much you'll have when you retire.

Transferring isn't right for everyone, you need to consider all the facts and decide if it is right for you. If you're unsure, speak to an adviser.

Find out more

Get startedJoining the pension

Howdens, with the help of their adviser, is offering you the opportunity to join this company pension.

Most people will be automatically enrolled into the Howdens Retirement Savings Plan, a Group Flexible Retirement Plan provided by Standard Life Assurance Limited. Even if you’re not, you can usually still join if you want to.

Please take the time to read the information in the important documents on these pages.

What does this mean for you?Pension flexibility

Everyone has control over how they take money from their pension.

There’s a minimum age after which you can withdraw money, but pensions are now one of the most tax-efficient and flexible ways to save for the future.

Your payment choicesHow much should you pay?

The Government has set a minimum amount that usually needs to be paid.

Howdens may also set a minimum amount you have to pay. But remember, paying in a little bit more now could make a big difference when you retire.


Login to online servicing

Easily and securely check your pension value, investments and more on your mobile, tablet or PC.

Log in to online servicing

Approaching retirement?

You've worked hard all your life to get to this point, so it makes sense to get the most from your pension with a little preparation and planning.



Your pension is normally a long term investment and you usually can't withdraw money until the age of 55 (may be subject to change). As with any investment, the value can go down as well as up, and may be worth less than what was paid in.