There are various types of pension scams, but all can result in the loss of a lifetime's savings in an instant.

Since April 2015, you've had more options for accessing your pension pot.

Scammers are aware of this and may entice you with promises of immediate cash and unique 'deals' with 'guaranteed' high returns.

Be mindful that pension scams come in many shapes and often seem like legitimate investment opportunities. However, pension scammers are sophisticated and have numerous strategies to coax you into surrendering your savings.

They may attempt to convince you to withdraw your pension—either in total or a substantial amount—and give the funds to them for investment.

Be especially cautious of advertisements offering free pension reviews, no-obligation consultations, or unexpected contact from strangers.