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The Personal Pension (Top Up Plan) is available to existing customers who set up a Scottish Widows individual pension between 1993 and 2012 and want adviser charging functionality on their increments.
The Top Up Plan is a personal pension plan designed to provide your clients with a tax-efficient way to save for retirement.
It has a range of features, including an extensive choice of funds and a simple charging structure. The range of adviser charging options provides flexibility when it comes to paying for advice.
The Top Up Plan will be linked to the customer's existing plan but they will receive two separate statements. Non-advised increments can be paid into either the existing plan or the new Top Up Plan.
The Top Up Plan is for existing pension clients who want a simple product and a wide range of adviser charging options.
It's a tax-efficient retirement plan available for people who are:
Take a look at our other retirement planning options Retirement Account
To help you offer your clients the best return on their investment we have an extensive range of funds, including:
Currently no charges for switching between funds.
The Top Up Plan offers a wide range of adviser charging options:
Initial adviser charge
Ongoing Adviser charges
Please note - Non-Advised top-ups paid into the Top Up Plan will not receive commission.
Please note that charges, terms and limits may change. We may change the selection of funds that we make available. There may be restrictions on the amount that can be invested in certain funds. Please contact us for details of any restrictions that apply. The value of the tax benefits of the plan depend on the individual circumstances of your client. Tax rules and your client's circumstances may change in the future. The retirement benefits received from a pension plan will depend upon a number of factors including the value of the plan when your client decides to take their benefits, which isn’t guaranteed and can go down as well as up. The value of the plan could fall below the amount(s) paid in.