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# Retirement

# Retirement Income.

Holds your pension savings pre-retirement. Holds your pension savings post-retirement and allows you to take income drawdown.

# Before you start planning.

Investment choice – Choose from a range of investment options depending on your retirement goals, how you plan to take your pension savings and how much risk you want to take. Clear charges – With a simple and clear charging structure that separates the different types of charges, you can see exactly what you’re paying for.

# Retirement

You can take some or all of the value of the Retirement Planning part as a cash lump sum (pension encashment). 25% of the value will be tax-free and the remainder will be taxable. You can select a retirement age of up to 75 when you take out your Account, but you can stay in it until age 99 if you wish. You will need to buy an annuity or transfer to another provider if you haven’t taken all of your savings by then.