How to close your own gender pension gap

Picture of daffodils against blue sky

Stand tall on International Women’s Day

For International Women’s Day, trying to #BreakTheBias, here are my quick tips on how to close your own gender pension gap.

Shockingly, women on across the UK have almost 40% less in their pension pots than men, according to research by PensionBee. This gap in retirement saving doesn’t start out so big – 13% for under 30s – but becomes a gaping chasm by the time we get closer to retirement, widening to 46% for people over 50. Yet as women typically live longer than men, they actually need more money to cover their retirement.

More money, more pension

The harsh reality is that if you want more out of your pension, you need to pay more in. Women tend to earn less over their working lives, whether due to the gender pay gap, taking time out to raise children, or by working part time, so they have less to pay into pensions.

At least if you’re aware of the need to set extra aside for retirement, you can try to do something about it. 

Grab any work pension with both hands

Thanks to auto-enrolment, most employees get signed up for a pension whether they like it or not.

Don’t opt out!

Turning down a work pension is like turning down a pay rise, because you’ll get free money added to your own pension contributions by your boss and by the tax man. 

More on What is a pension and why you should care

Pay extra into your pension while you can

Even if retirement seems a bazillion years away, it’s still worth starting a pension, because those early contributions really roll up over the years thanks to the miracle of compound growth

In fact, see if you can afford add more, especially if your employer is willing to match contributions beyond the legal minimum. It’s worth stashing extra into your pension during your early years if there’s the remotest possibility you might take time out for children, or work part time, later in life.

Budget for pensions during maternity leave

Klaxon alert: discuss pensions with your other half before having kids. If one person stops work to stay home, often their pension contributions stop too. Yet the parent who keeps on working keeps raking in retirement savings. 

As I said in this post, if you make a joint decision to have children, and a joint decision about who takes time out to look after them, then make a joint decision about how to fund pensions for you both. Tot up whether the family budget can stretch towards your retirement too. Even if you’re not earning anything at all, you are still allowed to pay up to £2,880 a year into a pension, and get 25p added in free money for every £1 you put in.

Hang onto your State Pension

The State Pension is hardly going to keep you in caviar and private jets, but don’t knock £9,371 a year, the current forecast for the full new State Pension. More than a quarter (27%) of women are rely solely on the State Pension to fund their retirement – almost twice as many as the number of men (15%).

To qualify for the full whack, you need to rack up 35 years in National Insurance contributions (NICs) 

If you do take time out to have kids, and so aren’t earning and aren’t paying NICs, make sure to register for Child Benefit. Register even if  your partner earns over £50,000 a year and the Child Benefit starts getting clawed back in tax.

Crucially, if you’re the person named for Child Benefit, you will get credits towards your National Insurance record until your youngest kid hits 12, which will help protect your entitlement to the State Pension.

Boost contributions in later life

As we get older, we’re likely to hit peak earning years. Some of our major costs may disappear, if student loans, childcare, uni costs and mortgage payments are no longer an issue. We may even have lump sums available from downsizing or inheritance.

If you want to close your gender pension gap, shovel spare cash into your retirement savings. That way, you benefit from the free money in tax relief, while knowing it’s not long before you can whip money out again.

For most people, the maximum you can pay into a pension is 100% of earnings, capped at a maximum of £40,000 a year. 

But if you’re lucky enough to earn over £40,000, you may actually be able to pay in more.  You can mop up unused pension allowance from the last three tax years and turbo charge your contributions, although you still can’t pay in more than you actually earn.

Make your money work harder

As well as trying to top up your pension, narrow the gender pension gap by making your money work harder. Check where your money is invested. Don’t leave it sitting in a staid default fund if you have years to go before retirement – you can afford to take more in risk in the hope of higher returns, knowing you have time to ride out stockmarket falls. Check your pension charges too. The more you pay, the more your pension has to grow just to stand still. Switching to a pension plan with cheaper charges helps you hang onto more of your own money.


Now – over to you. What have you done to help chose your gender pension gap? What are you doing now to make sure you can retire in future? Do share in the comments, I’d love to hear!

Leave a Reply

Your email address will not be published. Required fields are marked *


  1. 17th March 2022 / 4:00 pm

    That’s right! We need to think carefully when planning our future and pensions are no exception! Great article! Congrats for the post!

    • 1st July 2023 / 11:37 pm

      Investing on the cryptocurrency market has been a main source of income, that’s why knowledge plays a very important role in humanity, you don’t need to over work yourself for money.All you need is the right information, and you could build your own wealth from the comfort of your home!Binary trading is dependent on timely signals, assets or controlled strategies which when mastered increases chance of winning up to 90%-100% with trading. It’s possible to earn $10,000 to $20,000 trading weekly-monthly in cryptocurrency(bitcoin) investment,just get in contact with Mr Bernie Doran my broker. I had almost given up on everything about binary trading and never getting my lost funds back, till i met with him, with his help and guidance now i have my lost funds back to my bank account, gained more profit and I can now trade successfully with his profitable strategies and software!!
      Reach out to him on Telegram: @bernie_fx or WhatsApp : +1(424)285-0682 for inquires

    • 19th July 2023 / 10:52 am

      Investment is one of the best ways to achieve financial freedom. For a beginner there are so many challenges you face. It’s hard to know how to get started. Trading the Crypto market has really been a life changer for me. I almost gave up on crypto currency at some point not until I got a proficient trader Bernie Doran, he gave me all the information required to succeed in trading. I made more profit than I could ever imagine. I’m not here to converse much but to share my testimony, I invested $5000.00 and got back $50,500.00 within 5 days of investment. His strategies and signals are the best and I have gained more knowledge.
      If you are new to cryptocurrency. You can reach to him through Gmail : BERNIEDORANSIGNALS@GMAIL.COM or Telegram : @bernie_fx or his WhatsApp : +1424(285)-0682

  2. 25th January 2023 / 8:21 am

    I lost my Job few months ago,my wife left me ,could not get income for my family, things was so tough and I couldn’t get anything for my children, not until a met a recommendation on a page writing how Mr Bernie Wilfred helped a lady in getting a huge amount of profit every 6 working days on trading with his management on the cryptocurrency Market, to be honest I never believe it but I took the risk to take a loan of $2000. and I contacted him unbelievable and I was so happy I earn $22,500 in 6 working days, the most joy is that I can now take care of my family I don’t know how to appreciate your good work Mr. Bernie Doran God will continue to bless you for being a life saver I have no way to appreciate you than to tell people about your good trade management system. For a perfect investment and good strategies contact Mr Bernie Doran via WhatsApp :+1(424)285-0682 or Telegram : @Bernie_fx or Gmail :

    7th August 2023 / 1:31 am


    Good day Audience, I want to use this great medium to announce this information to the public about Mr MORRIS GRAY. few months back, I was seeking an online BTC investment plan when I got scammed for about $172,000. I was so down and didn’t know what to do until I came across a timeline about Mr MORRIS GRAY. so I reached out to him and to my greatest surprise, they were able to recover all the funds which I had previously lost to the Devils. I am so glad to share this wonderful news with you all because it cost me nothing to announce a good and reliable Hacker as Mr MORRIS GRAY, His direct email is Morris Gray 830 at gmail dot com, WhatsApp: +1 (607) 698-0239…..!!

    21st November 2023 / 12:24 pm


    I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ETHICSREFINANCE SERVICE, who helped me recover my money from these fake investors. It took ETHICSREFINANCE 48 hours to recover my money and I was able to track down these people. I?m truly grateful for their service and I highly recommend them to anyone with the same problem.

    Email Address:
    WHATSAPP :+1 (719) 642-8467

  5. Manuel Franco
    1st December 2023 / 6:55 am

    I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is and you can also call or Whats-app him at +2348167159012 so you guys can contact him

  6. Miss. Veronica
    9th February 2024 / 4:28 am

    Pročitajte moje svjedočanstvo o tome kako sam dobio brzi zajam od pouzdane tvrtke. Pozdrav, ja sam gospođica Veronica iz Hrvatske. Bio sam u financijskoj situaciji i trebao sam kupiti kuću. Pokušao sam potražiti zajam od različitih kreditnih tvrtki, privatnih i korporativnih, ali nije išlo, a većina banaka mi je odbila kredit. Ali kako bi Bog htio, upoznali su me s privatnim zajmodavcem koji mi je dao zajam od 90.000 eura i danas imam svoju kuću i vlasnik sam tvrtke i trenutno mi je dobro, ako morate ići na tvrtka za osiguranje kredita. bez kolaterala, bez provjere kreditne sposobnosti, samo 3% kamatna stopa i supotpisnik s boljim planovima i rasporedom otplate, kontaktirajte Davidson Albert Loan ( On ne zna da to radim, ali sada sam tako sretna i odlučila sam dati ljudima više informacija o njemu i želim da ga Bog još više blagoslovi. Možete ga kontaktirati putem njegove e-pošte.
    {WhatsApp: +38761545894}

  7. Lyne Azabal
    26th February 2024 / 10:24 pm

    I Need A Hacker To Recover My Lost Investment? Go To Lost Recovery Masters

    Hello guys, I’m Lyne Azabal from France. In my investment with Acstons-Cc, I also lost 17 lakhs. Trading using the Acstons. cc app generated a profit of 197,153 USD after paying tax and a 25% fee, however they would not release my profit and all of my Bitcoins were frozen. I called my pals, who suggested I try LOST RECOVERY MASTERS, and to my astonishment they were able to assist me get back 89% of my money. Despite the fact that I didn’t get all of it back, I’m still really appreciative of LOST RECOVERY MASTERS
    For advice on recovering cryptocurrencies, get in touch with Lost Recovery Masters You can also ask them questions about any firm you wish to deal with.
    Contact them:  Whatsapp (+44(7537)-105921) Email ( Learn More

  8. zam zam
    25th April 2024 / 8:10 am

    BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast 
    you can be to get the new PROGRAMMED blank ATM card that is capable of
    hacking into any ATM machine,anywhere in the world. I got to know about 
    this BLANK ATM CARD when I was searching for job online about a month 
    ago..It has really changed my life for good and now I can say I’m rich and 
    I can never be poor again. The least money I get in a day with it is about 
    $50,000.(fifty thousand USD) Every now and then I keeping pumping money 
    into my account. Though is illegal,there is no risk of being caught 
    ,because it has been programmed in such a way that it is not traceable,it 
    also has a technique that makes it impossible for the CCTVs to detect 
    you..For details on how to get yours today, email the hackers on : ( < Tell your 
    loved once too, and start to live large. That's the simple testimony of how 
    my life changed for good…Love you all .

  9. 21st May 2024 / 10:45 pm

    I Have At Last Located A Trustworthy Cyber Expert Who Deals With Lost Bitcoin Troubles contact Lost Recovery Masters

    I wanted to take a moment to express my utmost gratitude for the incredible service LOST RECOVERY MASTERS provided in helping me recover my lost cryptocurrency. When I first found myself in this unfortunate situation, I was feeling helpless and unsure of what to do. That’s when my friend recommended Lost Recovery Masters to me, and I couldn’t be more thankful for their suggestion. From the moment I reached out to Lost Recovery Masters, their team displayed professionalism, expertise, and genuine dedication to helping me. They patiently walked me through the entire recovery process, ensuring that I understood each step along the way. Their knowledge and guidance gave me the confidence that my lost cryptocurrency could be retrieved. I was truly amazed by the level of skill and precision Lost Recovery Masters exhibited throughout the process. Thank you once again for your exceptional service.
    Whatsapp: +44(7537)-(105921)
    Email (

  10. 23rd May 2024 / 1:22 pm


    If you need genuine hackers who can recover stolen or scam*ed Cryptocurrency OPTIMISTIC HACKER GAIUS. got you covered, they’re secured Hackers from USA who deal with cyber issues of all kind, such as WhatsApp hack, Facebook hack, Gmail hack, mobile Phone hack, Accounts hack, Erase Criminal Records, Websites Hack, Bitcoin Trade recovery, and other hack relating to cyber issues. Contact info:

    WhatsApp at +1..6..0..1..4..6..0..9..4..7..7.
    email… optimistichackergaius @


  11. Yanira Alvarez
    23rd May 2024 / 2:38 pm

    Real spell casters are hard to find but I am happy to thank Lord Krish for helping me win the lottery successfully after trying so many spell casters and I found my happiness in Lord Krish. I was given the lottery numbers by him which made me the third highest lottery winner in history and this is all thanks to you sir. Winning the lottery is something everyone would like to feel especially with a trustworthy spell caster. I, Yanira Alvarez, won the Powerball lottery in Los Angeles and I really thank Lord Krish because after I contacted him, he told me to only provide the spiritual items for him to do it for me and I didn’t hesitate to give him what he required so I could win it. I have tried so many spell casters who seemed real but only Lord Krish numbers gave me the winnings. I won the Powerball Jackpot of $1.08 billion and I am here today to share my experience to those willing to win the lottery as well. Take this opportunity to contact Lord Krish Spiritual with his email: and also share your experience with others.

The contents of this blog are for information and ideas, and should not be viewed as financial advice. Use of the material is conditional on there being no liability for how you choose to use it. If you are unsure about any investments or financial issues, please contact a financial adviser.