Retirement Account

Key strengths

OUR FLEXIBLE RETIREMENT PLAN FOR LIFE

Retirement Account can help meet your clients’ needs to and through retirement with:

Backed up by our over 200 years experience & expertise. Helping you to provide long term support and advice to your clients.

It’s easy to apply or transfer to Retirement Account. Speak to your relationship manager or contact us to find out more.

sharing our latest experise - SUPPORT YOU CAN DEPEND ON

We are committed to providing you with all the tools and support you need and to help you identify business opportunities.

Explore now

Take a closer look

Here’s 5 reasons why you should choose Retirement Account for your clients

  • A range of choices to help your clients achieve their goals.

    • Three ranges of risk rated multi-asset portfolio funds

              - established track record of performance

              - competitively priced with active asset allocation and regular monitoring

              - peace of mind - strong portfolio governance

    • Innovative drawdown solutions - our Retirement Portfolio Funds are designed to manage significant volatility.
    • Comprehensive range - in addition to our portfolio ranges, access to 150+ funds, self-investment options, lifestyling and portfolio management.  
       

    Find out about our investment options

    INSIGHT

    Find out more about our multi-asset options, backed up by expert investment insights.

  • Clear, competitive charging structure that’s easy to explain to your clients.

    • Clear and straightforward - one service charge. No charge for additional transactions.
    • Tiered service charge - simple to explain, better value for your clients.
    • Three core portfolio fund ranges - at only 0.1%*; 0.2%;* 0.4 %*, with excellent potential for growth.
    • No charge for drawdown - making it clear for clients that Retirement Account can be a plan for life.
    • Family Pricing Option - can result in your clients and their families potentially receiving a lower Service Charge than they would individually.

    *Total annual fund charges. This may change in the future.

    Learn about our charging structure

    Insight

    Read the Lang Cat’s report showing the impact of charges on the lifetime costs of investing. (Scottish Widows is not responsible for the content of this document). 

  • Working with Scottish Widows is easy - meaning you can focus on helping your clients.

    • Digital self-service and support - fast and efficient service.
    • Signature-free processing - for new applications and increments.
    • Dedicated telephone servicing - it’s quick and easy to reach us.
    • Case ownership - we’ll support you through every stage.

    Our online services enable you to manage your clients quickly and easily.

    Insight

  • We’ve been helping people plan their financial future for over 200 years, so we know what we’re doing.

    • Iconic Brand - well-known brand, making us easier to recommend.  
    • Sharing our expertise - knowledgeable and exclusively pension focused relationship managers.
    • Market leadership - taking the lead on important issues on behalf of advisers and the industry.
    • Industry insight - topical opinions and insight from our Techtalk magazine, Investment Perspectives and our new Expert Series of webinars and vodcasts.

    Benefit from our expertise

    Insight

    Find out more about our commitment to supporting your business.

  • Plans change, which is why we offer one flexible plan for you and your clients.

    • Multi asset portfolios - can be used in combination with other investment options.
    • A wide range of investment options - from our multi-asset range to self-investment and portfolio management.
    • Flexible income options - tailor plans to meet clients’ changing needs, including Drip Feed Drawdown and Retirement Portfolio Funds.
    • Designation by phone - verbal instruction can move clients’ funds into income.
    • Flexible adviser charging - ad-hoc adviser charging options.

    Flexible retirement options within one plan

    Insight

    Find out more about our flexible income options.

    Retirement income

useful links

TOOLS AND CALCULATORS

Useful pension tools and calculators

Useful tools

PARAPLANNER PAGE

Access the key resources to meet your business needs

Learn more

LITERATURE LIBRARY

Find the documents you need

Search now

INVESTMENT GOVERNANCE

Learn more about our robust investment governance

Governance

How we can help

HOW IT WORKS

Find out more about Retirement Account

Find out more

MULTI-ASSET OPTIONS

Learn about our strong multi asset options

Learn more

FIND OUT HOW TO APPLY

Follow our easy steps to apply online

How to apply