Welcome to the All Pension Schemes hub

Everything you need to understand, manage and make the most of your benefits – all in one place.

Choose your Plan:

A Section
B Section

You can:

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 take your benefits

Understand your options for taking your benefits

Get support when you need it, including reporting a death

Find contacts for information, guidance and advice

Learn how to protect yourself from scammers

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

  • All Pension Schemes Chair's Statement

    A yearly update on how the Plan is looked after.

  • All Pension Schemes Statement of Investment Principles (SIP)

    How investments are managed to meet future liabilities.

  • All Pension Schemes Implementation Statement

    How the investment principles and approach have been applied in practice

  • All Pension Schemes Environmental, Social & Governance (ESG) Policy

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

  • All Pension Schemes Security of Assets

    How your savings are kept safe.

  • All Pension Schemes Climate Report

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

  • All Pension Schemes Stewardship Report

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

What type of pensions exist, and what type is the Plan?

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 Plan.
  • 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 Pension Schemes is a DB Plan.

When can I take my benefits from the All Pension Schemes?

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

How long will my pension last?

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 Pension Schemes 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 moderate retirement, depending on your lifestyle. To know how much you have and how to meet your goals, visit the All Pension Schemes 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 benefits, how much income you’d like and whether you have any other savings and/or the State Pension. It’s best to compare your retirement options from the All Pension Schemes 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 Pension Schemes?

You can find out how much you’ll receive from the All Pension Schemes by logging into your account at https://experience200.ehr.com/astrazeneca or by contacting the Scheme administrator.

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 after that 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 Pension Schemes at https://experience200.ehr.com/astrazeneca.

Can I afford to retire at 60 with my pension?

It depends on how much you have 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 Pension Schemes website 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 Pension Schemes at https://experience200.ehr.com/astrazeneca. In many cases, it’s worth getting financial advice first.

What happens to my 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 by logging in to your account at https://experience200.ehr.com/astrazeneca