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Create your future with the Your M&S Pension Saving Plan

Where do you fit in our 4 step pension journey?

We want to help you make a positive difference to your life no matter what stage you’re at.

Wherever you are in your retirement journey, we're keen to support you. Whether you’re just starting out, already saving and preparing for retirement, or working out how to use your savings pot to support your retirement, we’re here to help you in your journey.

The pension journey

Step 1: Joining

You’ve been enrolled or joined the Your M&S Pension Saving Plan. Find out more about:

  • Auto enrolment
  • Contributions and tax
  • How your pension is invested
  • Opting out

Step 2: On your way

Now you’re saving for your future, you should think about:

  • Investing and managing your pension savings
  • Bringing your pension savings together
  • Using our range of tools to help you plan for the future
  • Nominating a beneficiary

Step 3: Getting there

You’re 10 years or less from retirement. It is time to make sure your plans are on track:

  • Your options for taking your money
  • How long your pension savings will need to last
  • Reviewing your investment choices
  • Checking your State retirement age

Step 4: Arriving

You’re retiring within the next 12 months and starting to finalise your plans:

  • Planning your retirement
  • Investment decisions at retirement
  • Are you ready to retire?
  • Your State Pension

Your welcome video

Welcome to your new Your M&S Pension Saving Plan. Your pension is an important part of saving for your future, and it’s a smart move too. Watch your welcome video below to find out more.

Video transcript (PDF 126KB)

Additional support

Helping people navigate later life care

Finding and paying for care is a deeply personal experience – everyone's needs are different. Our friendly and helpful Care Concierge team aim to understand your specific situation and requirements, and help you work out what your options are. Our Care Concierge service is available to you at no cost, so that you can benefit from extensive access to our care experts.

Re-connect with former colleagues on The M&S Alumni Network!

We all know that when you work for M&S you become part of an incredible, diverse family of colleagues. It’s a place we all feel proud to be a part of, and that connection never stops, even when you move on…

Through the Your M&S Pension Saving Plan, we have a huge community of former colleagues out there who are still passionate about the business – supporting us when we get it right and telling us when we get it wrong!

So, M&S has launched a new digital platform that enables you to connect with your former work colleagues and friends, get special updates on what’s going on and provide a space for you to share your stories. Whether you’d like to reminisce over Archive content or attend guest speaker sessions, there really is something for everyone.

There will also be opportunities for you to get involved with initiatives and activities across the business. Whether that’s supporting recruitment or asking for your support as mentors, your views on new products or helping us with our Plan A community work. M&S would love to keep you up to date with its transformation.

Head over to the site by clicking here, and begin building your profile and alumni story today!

Managing your savings in uncertain times

We’re experiencing tough economic conditions, right now. The impact of the COVID-19 pandemic and the rising cost of living means that many people are naturally concerned about their finances. The invasion of Ukraine and its effect on global products and commodities has also led to investment market turbulence. If you would like to know more, visit our response hub to see what this could mean for you and your savings, as well as access useful support and information.

Helpful resources

Planning tools

Our planning tools can help you manage your savings pot. They're here to help you make decisions and work out what's right for you.

Responsible investing

Find out how our investment management business incorporates a responsible investing approach, considering environmental, social and governance (ESG) issues in their investment process.

Manage Your Account

If you want to make changes to your plan, you can do this by logging in to Manage Your Account. You’ll also be able to contact us through our Secure Message Centre.

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Get in touch

If you need help, you can call or email us (please note call charges will vary, we may record and monitor calls)