Uploaded March 2026 | Updated September 2026, 2 weeks ago
The State Pension explained: Ramin from PensionCraft explains how much you'll actually get, when you'll get it, and whether it'll still exist by the time you retire. Plus, the practical steps you can do to take control of your retirement.
The State Pension is one of the most important parts of retirement planning in the UK, yet it's widely misunderstood. In this video, we break down exactly how it works, how your National Insurance record determines what you receive, and what the full new State Pension actually pays out in 2026.
We also cover:
- How to check your State Pension forecast and National Insurance record
- Whether it's worth filling gaps in your National Insurance history
- How the Triple Lock works and why it matters
- Whether the State Pension alone is enough to retire comfortably
- The real risks around future changes, including means testing and Triple Lock reform
- Practical steps to take control of your retirement, whatever your age, with InvestEngine
00:00 Is the state pension enough to retire on?
00:53 What is the state pension?
02:02 How does the state pension work
03:20 Can you make up for any missing NI gaps?
05:51 What is the triple lock and how does it affect the state pension?
07:14 How much will someone get on the new full state pension?
08:01 Will the new state pension be enough to live on?
09:13 Will the state pension become means tested and could it disappear altogether?
10:31 What can you do to live a comfortable retirement and retire on your terms?
👉 Explore InvestEngine Self Invested Personal Pensions: investengine.com/sipp
👉 Read our blog: investengine.com/insights/articles
👉 Check out our glossary: help.investengine.com/hc/en-gb/articles/16957060511005-Investment-Glossary
ℹ️ Check your State Pension forecast: tax.service.gov.uk/check-your-state-pension
ℹ️ Retirement Living Standards: retirementlivingstandards.org.uk
📱 Download the IOS app: apple.co/3N7i7pe
📱 Download the Android app: bit.ly/4aRrBy8
Don't miss out on our regular finance education videos, hit the subscribe button to stay informed and empowered on your investment path.
Want to talk about it? Join the InvestEngine Community: community.investengine.com
Follow us on social media:
Instagram: bit.ly/4aRrBOE
TikTok: bit.ly/3PjSwtU
LinkedIn: bit.ly/4re7gru
Reddit: bit.ly/4lgINAP
Disclaimer: Capital at risk. ETF costs apply. Tax treatment depends on individual circumstances and may be subject to change. This video is for information only and is not financial advice. Information correct as of March 2026.
The State Pension explained: Ramin from PensionCraft explains how much you'll actually get, when you'll get it, and whether it'll still exist by the time you retire. Plus, the practical steps you can do to take control of your retirement.
The State Pension is one of the most important parts of retirement planning in the UK, yet it's widely misunderstood. In this video, we break down exactly how it works, how your National Insurance record determines what you receive, and what the full new State Pension actually pays out in 2026.
We also cover:
- How to check your State Pension forecast and National Insurance record
- Whether it's worth filling gaps in your National Insurance history
- How the Triple Lock works and why it matters
- Whether the State Pension alone is enough to retire comfortably
- The real risks around future changes, including means testing and Triple Lock reform
- Practical steps to take control of your retirement, whatever your age, with InvestEngine
00:00 Is the state pension enough to retire on?
00:53 What is the state pension?
02:02 How does the state pension work
03:20 Can you make up for any missing NI gaps?
05:51 What is the triple lock and how does it affect the state pension?
07:14 How much will someone get on the new full state pension?
08:01 Will the new state pension be enough to live on?
09:13 Will the state pension become means tested and could it disappear altogether?
10:31 What can you do to live a comfortable retirement and retire on your terms?
👉 Explore InvestEngine Self Invested Personal Pensions: investengine.com/sipp
👉 Read our blog: investengine.com/insights/articles
👉 Check out our glossary: help.investengine.com/hc/en-gb/articles/16957060511005-Investment-Glossary
ℹ️ Check your State Pension forecast: tax.service.gov.uk/check-your-state-pension
ℹ️ Retirement Living Standards: retirementlivingstandards.org.uk
📱 Download the IOS app: apple.co/3N7i7pe
📱 Download the Android app: bit.ly/4aRrBy8
Don't miss out on our regular finance education videos, hit the subscribe button to stay informed and empowered on your investment path.
Want to talk about it? Join the InvestEngine Community: community.investengine.com
Follow us on social media:
Instagram: bit.ly/4aRrBOE
TikTok: bit.ly/3PjSwtU
LinkedIn: bit.ly/4re7gru
Reddit: bit.ly/4lgINAP
Disclaimer: Capital at risk. ETF costs apply. Tax treatment depends on individual circumstances and may be subject to change. This video is for information only and is not financial advice. Information correct as of March 2026.
