• I want to support my existing clients with complete retirement flexibility

  • The Personal Pension

    The Personal Pension is open to new investments from existing clients.

    Your clients can continue to enjoy their plan's rich features, including complete flexibility with retirement income, as well as access to a wide range of well governed investment funds.

     

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    Benefits at a glance

    • Complete flexibility with retirement income - if your existing clients are looking to access their income, we offer the fullest choice of pension freedoms retirement income options. 
    • Wide investment choice - thanks to our wide range of well governed pension funds, your existing clients can adapt their investments as and when their needs change. We don't charge to carry out fund switches*
    • Freedom to change or top up contributions - increase, reduce, stop, top up contributions, or transfer in from other pension plans - with no minimum amounts.
    • Save time with automatic portfolio rebalancing+ - so you don't have to worry about keeping investment allocation on track. 
    • Leave the detail to us with drip-feed and flexi-access drawdown - we'll manage the detail of getting a tax efficient regular income to your existing clients.
    • Support when you need it - you'll be greeted by some of the most experienced people in our business to support you when managing your clients' investments.

    * We reserve the right to introduce a charge in certain circumstances, as outlined in the Terms and Conditions.

    +Any switches/buys/sells will stop automatic rebalancing.

     

  • Options at retirement

    Investment options Retirement options
    Keep all your money invested Take tax free cash Take a taxable regular income Take lump sums when needed Capped drawdown Take all your money in one go
    Pension funds Yes Yes, as a lump sum or regular income Yes Yes

    Yes:

    Available only to clients already using this option

    Yes


    For clients looking to get a guaranteed income for life, an annuity can be arranged through us or another provider.

  • Help your existing clients adapt to life's changes

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    Fund information

    Choose from our wide range of insured funds to invest in.

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    Literature library

    View our range of useful forms and guides in our literature library.

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    Pension income drawdown

    Help your clients access income at retirement.

  • Want to top up an existing plan? Just call us on 0345 129 9993.

    Lines are open between 8.30 am and 5.30 pm, Monday to Friday.

    We sometimes record telephone calls to help with training, service and security.

  • Please bear in mind

    The value of your client's investment can go down as well as up and is not guaranteed, which means your client could get back less than they originally paid in. Tax and legislation are likely to change in the future, and the information above is based on our interpretation of current law and HMRC rules. The value of any tax benefits will depend on your client's personal circumstances.