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Flexible Transitions Account

It's never too early to start thinking about your future

What is a pension?

A pension is a way of saving for your future so you can support yourself financially when you retire.

It's a tax efficient 'wrapper' used to secure an income for you when you stop working and reach retirement age.

  • With a pension from us, you’ll get a self-invested personal pension called a Flexible Transitions Account.
  • Our Flexible Transitions Account gives you choice and flexibility about where your money is invested and you can even transfer any existing pensions into it. 


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Flexible Transitions Account

Here's what you'll get with a Flexible Transitions Account

Your income needs may change during retirement, so our pensions are designed for people who want to take advantage of the wide range of investment and phased payment options; from a drawdown pension in the early stages of retirement to effective estate planning later. 

Important Information

All the nitty gritty details.

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  • If you reduce your contributions or take your benefits earlier than planned, then your income may be less than shown in your personal illustration
  • If you choose to take income directly from your pension fund, these withdrawals will reduce the potential for future growth
  • Rising prices will reduce the buying power of your pension fund in the future
  • You can't cash in your plan at any time
  • You may normally only take benefits from your plan from age 55, or you may transfer to another provider at any time
  • Elements of the plan may be held in stock market related investments, so you are not certain to make a profit and may get back less than you invested
  • The tax treatment of the plan will, in part, depend on your personal tax status, which may be subject to change. Please refer to the Key Features for details of how contributions and benefits from your plan will be taxed. Any references to taxation are based on our understanding of current legislation and HM Revenue & Customs practice, which is subject to change
  • If the Government changes the tax treatment of this plan, any tax relief given on personal contributions paid could change

A little extra info never hurt anyone, so have a read of our key features document

As this pension is closely linked to investments, there are some important pieces of information you need to know. Read the key features document to find out if this plan is right for you.

Financial advice

Need help?

Have a commitment-free chat with one of our friendly advisers today. Start your conversation by giving us a little more detail.

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