Employees

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Better savings for all.

  • Why start saving?
    It’s easy for you to get started and begin saving for your retirement. You are not the only one paying in – your employer contributes to your retirement pot and you get tax relief. You can build your retirement pot to give you your own income when you retire.
  • When can I take my money out?
    You can take your money any time between the age of 55 and 75. You will still get your money if you move jobs and you can tell us who you would like to get your retirement income if you die before taking your money, so it won’t be lost.
  • Why pensions?
    Pensions are long-term investments – they usually produce better returns than savings accounts. Having a pension doesn’t rule out other ways of saving such as an ISA or savings account and they will not replace or affect entitlement to the State Pension.  Watch brief video on Growing Your Pot.
  • What are the rules on workplace pensions?
    The Government provides useful information about the rules around workplace pensions.
  • Where can I find out more about the scheme?
    If you are a member of the scheme you can use your online account to:

    • See the value of your retirement pot
    • See your estimated retirement income using an advanced Illustrator tool
    • Find out more about the investment options
    • Manage your account
  • Where can I get help on other pensions I have?
  • I am retiring soon what are my options?

    The retirement options for scheme members are: to withdraw cash, the open market option for annuities, to transfer to a collective drawdown arrangement, or to transfer to an individual drawdown arrangement. For more information, visit our Retirement Choices page.

    To understand the options available to you, and other important considerations, speak to Pensionwise.

  • TRUST|Pensions retirement choices

    Welcome to TRUST|Pensions® Retirement Choices

    Rules around what you can do with your pot have changed.

    These are the 3 steps we suggest you take

    1. 1. Check how much is in your pension pot.

    If you have other pots, it’s worth bringing them together to benefit from their combined scale.  You can do this using a Transfer In form. Transfers In are free of charge.

    The retirement options for scheme members are: to withdraw cash, the open market option for annuities, to transfer to a collective drawdown arrangement, or to transfer to an individual drawdown arrangement.

    1. 2. To decide which route to take, consider this retirement planning tool.  Don’t forget to consider tax.
    2. 3. Choose your route.

    If you get stuck or need help relating to the options provided the scheme.

    If you need help about choices outside the scheme, please visit www.pensionwise.gov.uk or TPAS.

    Always watch out for scams – particularly by telephone.



 

TRUST|MAP

For information about and forms relating to the scheme, please visit the Member Access Portal

TRUST_MAP

Stocks and Shares ISA

Your employer will be paying into your pension pot and you can top up too. TRUST|Pensions does not offer a Stocks and Shares ISA service, and you don’t need to open one.  To find out more about a Stocks and Shares ISA, you can visit a provider such as www.axaselfinvestor.co.uk , or any provider of your choice.

You should be aware that TRUST|Pensions will not and does not provide financial advice or suggestions relating to investment activity.

For free and impartial money advice, visit www.moneyadviceservice.org.uk. If you are in any doubt as to what you should do in relation to any investment you should take independent financial advice.  To find a financial adviser, visit www.unbiased.co.uk

General information

Money Advice Service

Pension Wise

 

TRUST|Pensions provides one of the highest quality offerings in the market.