Could a pizza turn into a dream getaway?

Imagine this: for the price of one pizza a month, you could enjoy a dream getaway when you retire – all thanks to the power of compound returns!

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What are compound returns?

It’s how your money makes money. When you invest in a pension:

Your money earns returns (through investments).
Those returns are reinvested, earning even more returns.
Over time, this snowballs which means small contributions today can become big rewards in the future.

It’s important to remember that investment returns can go down as well as up.

Let’s say a pizza costs £12…

£12 invested today

With compound returns, investing £12 a month for 25 years could grow to £6,220* or more by retirement.

Add DHL’s contributions

The more you contribute, the more DHL adds too (up to certain limits). So, you get the compound returns on DHL’s contribution as well as whatever you pay in. Suddenly, investing £12 a month over 25 years is looking more like £12,410* in retirement!

Plus tax relief

Most members contribute by Penwise. This means your pension contributions are taken from your pay before tax and NI, so your contributions cost you even less than you might think.

Saving without employer contributions

Saving with employer contributions

* With an assumed interest rate of 4% a year.

Small Choices = Big Impact

The longer your – and DHL’s – contributions are invested, the more time they have to grow. So whether you decide to invest the price of a pizza, or your weekly takeaway coffee, or something else altogether, that small contribution today could take you far.

Learn more about contributions

The Trustee is not able to provide financial or tax advice. Therefore, it is strongly recommended that you take advice from an authorised independent financial adviser to make sure that any decision is the right one for you at the present time. Go to MoneyHelper.org.uk and use the Retirement Adviser Directory.