Before you take your pension, it’s a good idea to get to know more about it. The more you know, the more control you’ll have over your future income and the better prepared you’ll be when you want to slow down or stop working.

There’s lots of information and some of it can be tricky to understand, so we’ve broken it down into the important topics and tried to keep it short and simple. For any complex words that we might need to use, there’s a glossary to explain what they mean.

The site provides a simple explanation of the benefits that may be paid from the M&S Pension Scheme. The Trustee is legally required to pay all benefits in line with the Scheme Rules and government legislation, which means that if there’s a difference between the site and the Scheme Rules, the Scheme Rules will always apply. This information does not create a legal right to benefits from the Scheme.