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The Pensions Regulator

Committed to increasing confidence and participation in work-based pensions

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Stakeholder pensions

Stakeholder pensions are a low cost, flexible and secure option for people who do not already have access to a pension arrangement. The Government introduced them to encourage people to save for their retirement.


  • Interactive tool: Stakeholder decision tree

    Use our online decision tree to help you decide if you need to offer your staff access to a stakeholder pension

  • Interactive tool: Stakeholder register

    Use our register of stakeholder schemes to find a scheme

  • Overview: About stakeholder pensions (PDF, 39kb, 5 pages)

    An overview of stakeholder pensions

  • FAQs: Frequently asked questions (PDF, 542kb, 20 pages)

    Published: February 2007

    What you need to know about stakeholder pensions

  • Information: About the register of stakeholder pensions (PDF, 27kb, 3 pages)

    The Pensions Regulator maintains and publishes the register of stakeholder pension schemes

  • Guidance: Guidance for employers on stakeholder pensions (PDF, 76kb, 8 pages)

    Guidance for employers setting out what they need to do in providing access to a stakeholder pension scheme for their staff

  • Information: Stakeholder registration (PDF, 36kb, 4 pages)

    Information for providers on stakeholder registration

  • Guide: Setting up your workplace stakeholder pension (PDF, 560kb, 8 pages)

    Published: September 2007

    How to provide access to a stakeholder pension

  • Guide: A quick guide for employers (PDF, 137kb, 12 pages)

    Guide about contributions to personal pension and stakeholder pension schemes

  • Illustrative examples: Example consultation letter (PDF, 47kb, 2 pages)

    Published: February 2007

    Telling staff about the employer's proposal to designate a scheme

  • Illustrative examples: Example information letter (PDF, 46kb, 2 pages)

    Published: February 2007

    Telling staff about the designated scheme

  • Illustrative examples: Example staff information poster (PDF, 33kb, 1 page)

    Published: February 2007

    Telling staff about the designated scheme

Question markUseful stakeholder links

Directgov: stakeholder pensions

HM Revenue & Customs stakeholder information

The Pensions Advisory Service stakeholder helpline

Directgov: pensions and retirement planning

FSA's approach to the regulation of stakeholder pensions business (PDF)

FSA consumer help

The Pensions Ombudsman

The Occupational and Personal Pension Schemes (Penalties) Regulations 2000

The Stakeholder Pensions Schemes Regulations 2000 - SI 1403

Welfare Reform and Pensions Act 1999

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© The Pensions Regulator 2010