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Options at Retirement

Leave your pension invested?

Please remember that you don’t have to take your retirement benefits just because the option is available, so your first option could be simply to do nothing and leave your money invested.
You may wish to consider this if:

  • You do not plan to retire yet
  • You want to make additional contributions
  • You do not need to withdraw your retirement savings at this time
  • It is beneficial from a tax perspective

If you do choose to leave your money invested we recommend that you have a financial review, to ensure that your fund is invested in a manner appropriate to your attitude to risk and long term objectives.

More information on guidance and advice.

Please note...

When you do decide to take your benefits, it will be the value of your pension fund at that date which will be available to you. As unit prices can fall as well as rise, this value could be higher or lower than your current fund value.   

Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.