The Retirement Account

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

Retirement Account quotes available now

To help you generate quotes quickly and easily for your clients, we’ve created a new Adviser Quote System and Dashboard.

If you have already accessed your personal Retirement Account dashboard: Existing user log in             
If you haven't received a passcode, or logged onto the system before, then let us know by completing our simple form: Request a passcode          

Download our Retirement Account quotation form here. The form can also be used for our Guaranteed Annuity product and sent to other providers.

Once you have completed the form send it to us at: ifaservice@retirementadvantage.com

Download a quote form

Complete this additional supplementary form if you have completed a CQF* in the last 6 months and your client is still considering their retirement options.

This form has been specifically designed for The Retirement Account, so along with the CQF* it holds all the information we need to produce your clients quote(s).

If you have sent us the CQF* within the last 6 months, then note this in the relevant section on the additional supplementary form and we will use the CQF* held on our system for your clients quote.

Send your requests and relevant forms to us at: ifaservice@retirementadvantage.com 

Download an additional supplementary form 

*Common Quotation Form

To make your life simpler if your client(s) are healthy then you can complete this supplementary form to request a Retirement Account quotation.

Send your requests and relevant forms to us at: ifaservice@retirementadvantage.com 

Download an additional supplementary form 

If you require Retirement Account re-quotes or have a general enquiry please call our Adviser Support Team on: 0800 032 7689 or alternatively email us:

Email us 

If your client wishes to proceed, please arrange for:

  • an application form to be completed and returned with the accepted illustration together with,
  • other documentation requirements, which are detailed on the checklist shown on the front page of the application form.

Please send the relevant forms to: new.business@retirementadvantage.com or alternatively you can send the relevant forms in the post to us at: Retirement Advantage, Customer Services, PO Box 4993, Worthing, BN99 4AE

Download an application form

Product charges

Initial set up charge £150

Pension Drawdown tiered annual charge

(deducted monthly)

Up to £25,000  0.6%
Between £25,000 and £75,000 0.3%
Between £75,000 and £150,000 0.2%
Excess above £150,000 0.1%
Pension Drawdown Switch charge No charge, but we reserve the right to levy a charge if more than 12 switch requests are received in a 12 month period

Adviser fees 

Adviser payment options Initial fee (% or £)
Ongoing fees on Pension Drawdown fund value only (% only), plus ad-hoc fees available (£ only)
Adviser fee payment date 20th of each month (or earlier, for example if your payment date falls on a weekend or Bank Holiday)

Fund charges

Retirement Advantage fund name Management style Risk profile AMC OCF
Protected Index Portfolio Passive Cautious Protected 0.75% 0.86%
Investec Multi-Asset Protector 2 Active Cautious Protected 0.80% 1.29%
Henderson Cautious Managed Active Cautious 0.74% 0.83%
Standard Life Investments - GARS Active Cautious 0.85% 0.94%
Invesco Perpetual Distribution Active Cautious 0.92% 1.12%
AXA Framlington Balanced Active Balanced 0.75% 0.80%
Jupiter Merlin Balanced Portfolio Active Balanced 0.85% 1.76%
AXA Distribution Active Balanced 0.85% 0.87%
Threadneedle Global Equity Active Adventurous 1.00% 1.18%
Jupiter Merlin Growth Portfolio Active Adventurous 0.85% 1.79%
Henderson Global Equity Income Active Adventurous 0.85% 0.95%
Cautious Index (Vanguard/Insight) Passive Cautious 0.25% 0.25%
Balanced Index (Vanguard/Insight) Passive Balanced 0.25% 0.25%
Adventurous Index (Vanguard/Insight) Passive Adventurous 0.25% 0.25%
Insight Liquidity Active Cash 0.10% 0.10%

Download The Retirement Account intermediary remuneration options



The value of investments may go down as well as up. Taking income or withdrawals in excess of fund growth may result in the fund running out quicker than expected. Taxation rules and regulations may change in the future. Inflation will reduce how much the Fund is worth in real terms and inflation will reduce how much your income is worth over the years. It is essential to seek advice from a suitably qualified adviser. Inflation may reduce how much your income is worth over the years.



Our Sales Team are also available if you require further information about The Retirement Account or want to arrange a visit from your local Business Development Manager, call us on: 0800 912 9945 or complete our simple form

Request a visit from your Business Development Manager