FOR ADVISERS ONLY
Pension Portfolio - the flexible pension plan
That’s why we’ve packed our personal pension full of flexibility. So you can tailor each plan to your clients’ individual needs. We call it Pension Portfolio.
Pension Portfolio at a glance
Competitive charging structure
Complete investment solution
Flexible saving for clients
Integrated drawdown facility
Award-winning service
Comprehensive remuneration options
Pension Portfolio: what you need to know
Pension Portfolio carefully blends a personal pension with an integrated drawdown facility and a range of investment options to suit your clients’ needs. Each plan can be tailored to suit each client, including how much they save and when and how they access their money. And with clear and simple charges, your clients will understand exactly what they’re paying for, making it easier for them to engage with their savings.What’s more, Pension Portfolio supports different adviser charging options and you can use our clear and simple communications alongside our range of tools and services to support and enrich your client conversations.
Pension Portfolio: frequently asked questions
Pension Portfolio is our personal pension plan. It carefully blends a personal pension, integrated drawdown facility and a range of investment options, providing flexibility no matter what life stage your client’s at.
Yes it does. In fact your clients can move seamlessly into drawdown from within the same plan. Our Defaqto 5 Star rated drawdown facility, Income Release, provides one of the highest quality offerings in the market, with a range of tax-free cash and income options to suit your clients’ needs.
We think your clients should only pay for the services they use – so we’ve built a competitive charging structure around the chosen features of their plan. That way, they’ll always know what they’re paying for. Find out more about our charging structure in our charges guide.
Both. And we can facilitate charge payments direct from your client’s plan. You can agree your initial or ongoing charges with your client at the outset. We can apply ad hoc charges at a later date and when we receive a signed adviser charge instruction form confirming your client's consent.
Find out more
Yes. When you work with us we can provide you with access to administer your client’s plans through our online service.Our online service enables you to give your client a view of their pension with us so they can see how things are going.
We also provide our mobile app which helps clients keep track of their savings and provides them with notifications to help them engage with their pension. Everything we’re doing to support your clients reinforces the need for financial advice – and we’ll always point your clients to you when they need a deeper conversation.
Learn more
Pension switching gives you the opportunity to initiate a client review and help to generate additional income for your business, while helping your clients' pension savings work harder and smarter.
|
Benefits for your business |
Benefits for your clients |
|
|
Learn more about pension switching
Pension switching may not be suitable for all your clients. For example, if they're part of an employer's pension scheme, a Final Salary scheme or their existing plans have any guarantees or enhanced tax-free cash, transferring into a new plan may not be in their best interests.