Our Pension Plans

Pensions for Individuals

• Self-invested personal pensions (SIPPs) - for anyone under age 75, similar to conventional personal pensions, but offering greater freedom and control over your investments.
• Unsecured pension (Income drawdown) plans - for those wishing to defer buying an annuity, offers the option to draw an income from their fund while it remains invested.
• Pension transfers - if a review of your pension arrangements suggests transferring your pension, we offer a wide range of funds managed by some of the UK's leading fund managers.

Pensions for Employers and Trustees of Small and medium-sized businesses

• Stakeholder pensions - group schemes you can offer to your employees, but with maximum charges and other conditions set by the Government.
• Personal pensions - group schemes you can offer to your employees, into which you may or may not pay a contribution.
• Self-invested personal pensions (SIPPs) - similar to conventional personal pensions, but offering greater freedom and control over the investments. 
• Trustee investment plans (TIPs) - an investment vehicle for the trustees of small self-administered schemes (SSASs) and self-invested personal pensions (SIPPs) giving access to a wide range of funds.
• Unsecured pension (Income drawdown) plans - for those wishing to defer buying an annuity, the option to draw an income from their fund while it remains invested.

We don't guarantee the value of an investment and any income, which can go down as well as up.  Terms and conditions are available on request.

For more information, please speak to your adviser.

Pensions for Employers of larger businesses

Find out more about our employee benefits and comprehensive range of corporate pension plans.

A good group pension scheme will offer your employees security and reassurance and plays an important role in attracting and retaining staff.