Why business owners may want to consider a pension alongside their exit strategy

When you’re building a business, you might have little time to think about other aspects of your long-term finances. However, overlooking your pension in favour of your business could leave you in a difficult situation when you want to retire.

According to a survey carried out by think tank the Social Market Foundation (12 August 2025), just 20% of self-employed workers save into a pension, compared to 78% of employees. While not all self-employed workers will be business owners, the data points to a wider trend of underestimating the importance of retirement savings.

Why relying solely on your business as a retirement plan could be risky

Your business might be one of the largest assets you