You can:

Log in to your account to see the value of your benefits and update your personal details

Learn how your Plan works and how to get the most from it

See why saving into the Plan matters for your future

Explore your investments and the choices available to you

Find out when you could retire

Understand your options for taking your benefits

Check the tax implications of your choices

Get support when you need it, including reporting a bereavement

Access helpful contacts for information, guidance and advice

Beat the scammers by learning how to protect yourself from them

  • All Chair's Statement

    A yearly update on how the Plan is looked after.

  • All Statement of Investment Principles (SIP)

    How investments are managed to meet future liabilities.

    How your savings are invested and managed to meet future liabilities.

  • All Implementation Statement

    How the investment principles and approach have been applied in practice

  • All Environmental, Social & Governance (ESG) Policy

    How things like climate change and ethics are considered when investing.

  • All Security of Assets

    How your savings are kept safe.

  • All Climate Report

    How the Plan is affected by, and responds to, climate change.

  • All Stewardship Report

    How companies that the Plan invests in are monitored and influenced.

I’m a member of A Section
I’m a member of B Section

What type of pensions exist, and what type is All?

In the UK, there are two main types of pensions.

  • A defined benefit (DB) pension pays you a guaranteed income for life, usually based on your salary and how long you were working at the company, and a member of the All.
  • A defined contribution (DC) or money purchase pension builds up an individual pot of savings from contributions and investment growth. The income you receive depends on how much is built up and how you use it.

The All is a DB Plan.

The All is a DC Plan.

The All is a DB Plan, but if you contribute The extra contribution name, these are treated as a DC savings.

The All has two sections – A Section which is DC and B Section which is DB.

When can I take my benefits from the All?

The earliest you can retire from the All and start taking your benefits is age 55 – rising to 57 from 6 April 2028. To find out the All normal retirement age, go to the Plan website at https://experience200.ehr.com/astrazeneca.

How long will my pension last?

This depends on how much you withdraw each year, investment performance, and how long you live. Taking higher withdrawals increases the risk of your savings running out, so deciding when to retire is an important decision. Find out more about your retirement options, and what this could mean for when you should retire, from the All at https://experience200.ehr.com/astrazeneca.

How much money do I need to retire comfortably in the UK?

Many estimates suggest you need between £30,000 and £40,000 per year for a comfortable retirement, depending on your lifestyle. This typically means a pension pot of several hundred thousand pounds, alongside the State Pension. To know how much you have and how to meet your goals, visit the All website at https://experience200.ehr.com/astrazeneca and log into your account.

Is £250k enough to retire on?

Whether this is enough depends on when you plan to take your savings, how much income you’d like and whether you have any other savings and/or the State Pension. For many people, £250k may provide a moderate retirement income, while £100k may only cover a few years. It’s best to compare your retirement options from the All and the what they might mean for by logging into your account at https://experience200.ehr.com/astrazeneca.

How much will I get from the All

You can find out how much you’ll receive from the All by logging into you account at https://experience200.ehr.com/astrazeneca and requesting a retirement quote or by contacting the Scheme administrator https://experience200.ehr.com/astrazeneca.

How much will I get from the All

You can find out how much savings you have in the All by logging in to your account at https://experience200.ehr.com/astrazeneca.

How much tax will I pay when I take my pension benefits?

In the UK, you can usually take 25% of the value of your retirement savings tax-free (to a limit), with the rest taxed as income. The amount of tax you pay depends on how much you receive and your total income for the year. – with large incomes pushing you into a higher tax band. Find out more about your retirement options, and the tax implications of each option, from the All at https://experience200.ehr.com/astrazeneca.

Can I afford to retire at 60 with my pension?

It depends on how much you have saved/accrued, your expected lifestyle in retirement, and how long you may need it to last. Will you want to continue to work, or are you stopping work for good? There’s plenty to consider – and the best place to get your answers is on All website at https://experience200.ehr.com/astrazeneca.

Can I afford to retire at 60 with my pension?

It depends on how much you have saved/accrued, your expected lifestyle in retirement, and how you take your retirement benefits. There’s plenty to consider – and the best place to get your answers is on All website at https://experience200.ehr.com/astrazeneca.

What’s the best way to take my defined contribution or money purchase savings – lump sum, drawdown or annuity?

Each option has pros and cons: lump sums give flexibility, drawdown keeps your money invested and provides flexibility, and annuities provide guaranteed income. The best choice depends on your need for certainty vs flexibility, and your overall financial situation, and sometimes a combination is a good idea. To understand more detail about your retirement options from the All, visit https://experience200.ehr.com/astrazeneca.

Question to be confirmed?

Your pension benefits will last as long as you live, and your Spouse/eligible dependant will receive a portion of what you receive if they outlive you. Find out more about your retirement benefits from the All at https://experience200.ehr.com/astrazeneca.

Should I move all my pensions into one?

Combining pensions can make them easier to manage and may reduce fees, but you could lose valuable benefits or guarantees. It’s important to check what each pension offers before consolidating. You can find out more about what you’re entitled to from the All at https://experience200.ehr.com/astrazeneca. In many cases, it’s worth getting financial advice first.

Are my pension benefits invested in the right funds for my age?

If you haven’t chosen your own investment funds, your investments automatically adjust as you approach retirement, reducing risk over time. Whether your funds are ‘right’ depends on how old you are, your attitude to risk and when you plan to retire (and if you’ve set your target retirement age to reflect this on your account). Reviewing your investment strategy regularly by logging into your All account at https://experience200.ehr.com/astrazeneca can help you keep your investments aligned with your goals.

How much am I contributing to the All?

The best way to find out how much you are contributing to the All is to log in to your account at https://experience200.ehr.com/astrazeneca.

Based on my savings and age, what should I do with my pension?

You should check on your pension every year to make sure that how it’s performing will match your future aspirations, your tolerance for risk, and when you want to retire. Generally, you should contribute as much as you can afford, monitor your investments and, if you’re closer to retirement, ensure your Target Retirement Age reflects your intentions, and explore your retirement options about 10 - 5 years before you intend to retire. The best place understand more about the All is at https://experience200.ehr.com/astrazeneca.

Based on my savings and age, what should I do with my pension?

With the All, your income is based on your salary and service, so your focus is often on when to take it and whether to take any tax-free cash. That said, if you made or make The extra contribution name, you’ll bolster what you receive and you’ll have more flexibility. The right approach depends on your retirement timing, income needs, and how you want to balance security with flexibility. To know how much you have, visit the All website at https://experience200.ehr.com/astrazeneca and log into your account.

What happens to my savings/benefits when I die?

You can usually pass your savings on to your chosen beneficiaries, often tax free, if you die before age 75. It’s important to check your scheme rules and make sure your beneficiaries are up to date.

The law is changing, so the best way to know what you would pass on if by visiting MoneyHelper, a government site at https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-problems/pensions-after-death or visit the All website at https://experience200.ehr.com/astrazeneca.

What happens to my savings/benefits when I die?

Your spouse or eligible beneficiary may receive a reduced income to a spouse or dependants. It’s important to check your scheme rules and make sure your beneficiaries are up to date.

What happens to my benefits when I die?

What happens depends on the type of pension you have. Defined contribution (DC) pensions can usually be passed on to your chosen beneficiaries, often tax‑free if you die before age 75, while defined benefit (DB) pensions may pay a reduced income to a spouse or dependants. It’s important to check your scheme rules and make sure your beneficiaries are up to date.