Building up a pension pot is only half the battle to securing a good retirement. Having saved into a pension fund for decades you then have to decide what you're going to do with that pot of money. An annuity is a payment made to you for life by a pension company in return for your retirement pot. Some pension schemes push you towards taking an annuity when you retire so it is important to be informed. This guide for iPad explains more about annuities and, if they are right for you, how to choose one.