Pensions for the self-employed

First published 13 October 2017 • Updated 01 March 2018

If you’re self-employed, there are two main ways of getting a pension to save up for retirement. One is to set up your own personal pension scheme. The other is to enrol in the government’s NEST scheme, providing that you meet the simple qualifying criteria.

How does NEST work?

The National Employment Savings Trust (NEST) has been set up by the government to provide workplace pensions schemes. If you’re self-employed (and eligible) you can enrol online. NEST provides a defined contribution pension that you can access in the normal way.

If you’re also an employer, you can use NEST to offer a workplace pension to your employees, if you don’t want to set up your own pension scheme.

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About the author
Nick Green
Nick Green
Nick Green is a financial journalist writing for, the site that has helped over 10 million people find financial, business and legal advice. Nick has been writing professionally on money and business topics for over 15 years, and has previously written for leading accountancy firms PKF and BDO.