What pensions and retirement planning should Zimbabweans in the UK consider?

UK State Pension: requires 10+ NI qualifying years for any payment, 35 for full amount (currently ~220 pounds/week). If retiring to Zimbabwe, your pension is frozen at departure rate — no annual increases. Workplace pension: employer auto-enrolment is essentially free money (3% employer, 5% employee minimum). Do not opt out. Pension pots grow through compound returns over decades. Private pensions (SIPPs) allow additional tax-efficient saving. If you have NSSA contributions from Zimbabwe, check entitlement before retirement. Planning considerations: exchange rate impact on pension income, Zimbabwe versus UK healthcare costs, property in both countries, cost of living differences. Some split retirement between countries — winters in Zimbabwe, summers in UK. Access workplace pension from age 55 (rising to 57 from 2028). State Pension from state pension age (currently 66, rising). Free guidance from Pension Wise. Start early — even small contributions compound dramatically over 20-30 years. A Zimbabwean starting pension contributions at 30 versus 40 could have 50% more at retirement.