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A guide to the UK pensions system

This guide to the UK pensions system gives a detailed description of the current pensions system and some of the archaeology of these layers. The guide is intended for people wanting to learn about the UK pensions policy. It should not be used to make individual pensions decisions.

This version of the guide reflects the current position of, and legislated future changes to, the UK pension system as at 1 June 2022. Any change in Government policy that may occur after that date is not included in this version. The next update will be published in June 2023.


Click here to download the 2022 Pensions Primer: a guide to the UK Pensions system 



You are welcome to use the Pensions Policy Institute's research but please reference any material appropriately. We are always willing to review how the research is being represented and interested to know how far our research is being distributed, feel free to contact us.

If you would like to discuss the primer or have any comments please contact Danielle Baker,

The Pensions Policy Institute also run a series of Knowledge Sharing Seminars: a guide to the UK pensions system which is based upon the details within the Primer. If you would like to book to attend one of the seminars then click here to find our further details including, costs, dates and content. 

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PPI Operating Details

King's College
Virginia Woolf Building
1st Floor, 22 Kingsway
London, WC2B 6LE

Tel. 020 7848 3744

Mob. 07718 647 567 


The Pensions Policy Institute is a registered charity and accepts donations from organisations and individuals.