Retirement Planning

Everything you need to help plan your finances -
before, during and after retirement



Latest updates


What is a drawdown pension?

Drawdown gives you full access to your pension savings through funds that are invested in shares, bonds, property and other financial investments.    

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Is pension drawdown taxable?

With help from a financial adviser, you can control the tax you pay on income from pension drawdown. The first 25% of your pension funds withdrawn are tax-free.

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What is Equity Release?

Equity Release allows you to release some of the money, or equity, in your home and can be used to help supplement your pension income or pay off your existing mortgage.

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FAQs and glossary


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FAQs

All your pension questions answered.

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Pensions glossary

Help with pensions related words.

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Help articles


Your income

Your income

Managing your income will be critical in maintaining your desired lifestyle in retirement.  In this section we provide help with questions such as ‘What is an annuity?’, ‘What is a drawdown pension?’ and ‘What is Equity Release?’.

Retirement income

Annuities: guaranteed retirement income

Pension Drawdown: flexible retirement income

Equity release: access the value in your home

Retirement tools

Discover your options

At Retirement Advantage we known how important it is for you to review all aspects that could affect your retirement options - that's why we have various tools for you to use, to aid you in your discussions with your financial adviser

Our products 

Our products

Whether you’re approaching retirement or you’ve been retired for some years, we can help - find out more about our products  



Documents



The Retirement Account documents

At-a-glance

Customer brochure

Application form

Investment fund summary

Key features

Technical summary

Funds

Equity Release documents

A Guide to our Lifetime Mortgage products

A Guide to our Buy-to-Let Products

Our charges

Guaranteed Annuity documents - 

Our standalone Guaranteed Annuity will shortly be closing to new business. Customers with existing Guaranteed Annuity policies will not be affected.

Key features

Customer brochure

Policy Terms and Conditions

Death benefit questionnaire

Flexible Income Annuity documents - 

Please note that the Flexible Income Annuity was closed to new business in September 2016. 

Key features

Policy Terms and Conditions

Death benefit questionnaire

Fund objectives and fund charge summary

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Blog


Retirement pensions; the new birthday present?   The pensions vs property debate needs more public attention Is the “triple lock” under threat?

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