Step 1: First Step
You’re on your way to building a brighter financial future. Learn more about your pension here.
You might be thinking of joining Your M&S Pension Saving Plan or have been automatically enrolled. Wherever you are in life, whether you’ve been saving into a pension for a while or are only just starting out, help is on hand.
You’ll have some things to think about and some decisions to make. The information provided in this section is a great place to start to make sure you know what the plan has to offer and how pension saving works.
Remember, if you're not eligible to be auto enrolled (see our automatic enrolment factsheet) then you can still apply to join by completing the join the Plan form.
More in this section
How pension savings work »
Pensions can seem complicated, and it can sometimes be a bit overwhelming, especially if you’re new to saving.
How your savings pot is invested »
Understand how your contributions are invested and what you need to consider.
