Want to boost your Chest Score and get more on track for retirement? Here's what you can do.
Increase your contributions
The most direct way to improve your score is to save more. You can:
Set up saving rules to contribute automatically without thinking about it
Make one-off contributions when you have extra cash
Increase your regular contribution amount
Use cashback to boost your pension with everyday spending
Even small increases add up significantly over time thanks to compound growth.
Consolidate old pensions
If you have pensions from previous jobs scattered around, consider consolidating them into Chest. This:
Gives you a complete picture of your pension wealth
May reduce fees
Makes your score more accurate
Unlocks higher cashback rates (if you transfer over £10,000)
Review your retirement age
Your target retirement age significantly affects your score and projections. If you're flexible about when you retire, adjusting your target even by a few years can make a big difference – more time means more contributions and more time for growth.
Keep your information updated
If your salary has changed or you've received a promotion, update your details in the app. This ensures your projections are accurate and your score reflects your true position.
The power of compound growth
Time is your biggest asset when it comes to pensions. Money invested today has decades to grow. An extra £50 per month might not seem like much, but over 30 years with investment growth, it could dramatically to your retirement pot.
Check in regularly
Make it a habit to check your Chest Score periodically – perhaps every few months. Seeing your progress is motivating, and it helps you catch any issues early.
Important information
Your Chest Score and projections are for illustrative purposes only. They are not a guarantee of future performance. Actual returns will depend on market conditions and the performance of your chosen fund. The value of your pension can go down as well as up, and you may get back less than you've contributed.
Still need help?
If you have questions about improving your score, contact us at hello@joinchest.com.