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Productscontains a sub menu
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Individual Pensionscontains a sub menu
Pension Options
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Workplace Savingscontains a sub menu
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Protectioncontains a sub menu
Personal Protection
Business protection
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Annuitiescontains a sub menu
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Savingscontains a sub menu
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Mortgagescontains a sub menu
Mortgage Options
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Individual Pensionscontains a sub menu
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Fundscontains a sub menu
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About our fundscontains a sub menu
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Fund Governancecontains a sub menu
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About our fundscontains a sub menu
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CPDcontains a sub menu
TECHTALK MASTERCLASSES
Watch the latest CII accredited Masterclass from our Financial Planning and TechTalk team.
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Toolscontains a sub menu
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Pension toolscontains a sub menu
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- Salary, dividend & pension tool (xls 234kb)
- Carry Forward calculator 2019/2020 (xls 492kb)
- Carry Forward calculator 2020/2021 (xls 332kb)
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Protectioncontains a sub menu
Help with your client conversations
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Mortgagescontains a sub menu
See how offset helps your clients
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Pension toolscontains a sub menu
Welcome to Scottish Widows Adviser Site
This site is designed and intended for UK authorised and regulated financial advisers and intermediaries only.
If you are not a financial adviser or intermediary, please visit our personal site
Investment Perspectives
Topical insight and market news from our investment experts and partners

OUR INVESTMENT EXPERTS
Read our latest market updates, fund analysis and asset allocation reviews.
Latest insights
WINNERS AND LOSERS IN 2021: MARKET OUTLOOK
Following a truly unpredictable 2020, in which global equities reached record highs despite an enduring pandemic, what can investors expect in 2021? The process of returning to normality brings with it a brighter outlook, but also a number of risks.
THE ECONOMIC COST OF COVID IN THE UK
Government stimulus was a key driver of market returns throughout the second half of 2020 – not to mention a lifeline for many who have lost their jobs or businesses. But where does that money come from, and what are the longer-term impacts on the British economy?
ESG SUCCESS STORIES FROM UK PLC
There’s been a real step-change over recent years in companies’ focus on Environmental, Social and Governance (ESG) issues. We highlight recent initiatives from some of the UK’s biggest businesses in which most pension savers will be invested.

VIEWS FROM OUR INVESTMENT PARTNERS
Topical insight from our fund manager strategic partners Schroders, BlackRock and State Street Global Advisors.