The Retirement Account

The certainty of an annuity and the flexibility of drawdown in one simple tax-advantaged wrapper

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The Retirement Account combines Pension Savings (uncrystallised), Guaranteed Annuity, Pension Drawdown and a Cash Account, all held within a single tax-advantaged wrapper written under Drawdown rules.

The flexibility and income tax planning features mean that it’s suitable for all clients who want to take advantage of pension freedoms. Even for customers who require guaranteed income, it offers major advantages over traditional annuity products.

Below we have provided additional information about The Retirement Account from the benefits it can provide, to how it has been designed with advisers in mind.

You can either look through each individual page, or alternatively, you can view all pages by clicking the button below, which will start you off on our first page - What is The Retirement Account?

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The Retirement Account consumer video

What is The Retirement Account?

Find out more about our new kind of retirement income product. 

Benefits at a glance

Overview of The Retirement Account benefits.

                                                                                       

Flexibility of income 

Total income flexibility for today's retirees.

Reinvesting guaranteed income in Pension Drawdown

Re-directing Guaranteed income to Pension Drawdown or the Cash Account. 

Comprehensive death benefits

The Guaranteed Annuity and Pension Drawdown can provide valuable death benefits.  

Minimise tax liability for beneficiaries

Phase withdrawals over time could avoid exceeding thresholds such as higher tax band. 

Your life made simple

The Retirement Account has been designed with advisers in mind. 

Our Investment proposition

The fund range for the Pension Drawdown element of The Retirement Account. 

Who is The Retirement Account for?

The Retirement Account is so flexible that it suits almost anyone at retirement.

Retirement Account technical summary

Key information regarding age limits, fees, charges and other important information about The Retirement Account.