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Retirement Account
Save for retirement and take pension income from the same plan, with flexible investment options to suit a wide variety of clients. It’s all backed up by our clear and competitive charging structure.
We’ve broken our charges down into their component parts, to give you and your client a clear picture of the costs.
Total value of Retirement Account |
£0 - <£30k |
£30k - <£50k |
£50k - <£250k |
£250k - <£500k |
£500k - <£1m |
£1m and above |
---|---|---|---|---|---|---|
Service Charge (per year) |
0.90% |
0.40% |
0.30% |
0.25% |
0.20% |
0.10% |
We can also offer ‘Family Pricing’:
Here’s an example - Jim and Jane live at the same address, and each set up a new Retirement Account.
Jim | Jane | = | Jim & Jane |
Retirement Account £450k | Retirement Acount £100k | Combined Accounts £550k | |
Service Charge 0.25% | Service Charge 0.30% | Family Pricing Service Charge* £0.20% |
*This charge only applies to new Retirement Accounts. If either Account was already in place, the value would be taken into account when aggregating the values to determine the charge, but the Family Pricing Service Charge would only apply to the new plan, with the existing plan continuing at the existing rate.
*Current Total Annual Fund Charges. This may change in the future.
The Control Account acts as a clearing and transactional account for all payments made to and from the Retirement Account.
For more details, including an explanation of the Deferred Charge, see our Adviser Technical Guide (PDF)
Our automated phased drawdown option, allows your clients to draw regular amounts using just tax-free cash or a combination of tax-free cash and taxable income, to help control the level of taxable income they receive in retirement.
Investing for retirement income can be a challenge, which is why we’ve introduced our Retirement Portfolio Funds. These innovative, low cost, multi-asset funds are designed to manage significant volatility to help a pension pot last longer, balancing the need for growth and managing the risks of volatility. This makes them a good option for clients in income drawdown.
We've developed a range of tools and calculators to support you in reviewing your clients' Retirement Account plans.
Our Retirement Account Comparison Tool allows you to:
We’ve also got useful investment Tools and Calculators. Our Fund Search tool helps you compare and analyse funds, and keep track of their performance. Visit all our tools.
You need to register to access the secure tools, which can hold your clients’ personal information.