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Articles and guides
- Guides
- Research
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Pensions articles and guides
- Consumer Duty Products and Services: building blocks for demonstrating value
- Consumer Duty: delivering value in uncertain times
- Consumer Duty and the sustainable finance regulatory agenda
- Consumer Duty: I just called to say…check your status
- Strategic Asset Allocation changes to our Governed Range
- Inflation proofing annuities
- How pension tax allowance changes help NHS clinicians
- Spring Budget 2023 – Royal London Podcast
- Sell now or more tax later: Capital Gains Tax planning
- The personal allowance tax trap: 60% tax? Isn’t the top rate 45%?
- Could your clients use a pension to offset ISA losses?
- Independent Governance Committee (IGC) annual report
- There’s life cover, but not as we know it
- The real difference ProfitShare can make
- Our financial wellbeing service is on the app
- Why paying a tax charge isn’t always a bad thing
- We’re making small changes to our online automatic enrolment dashboard and supporting materials
- Gold from Benefits Guru
- Our latest cost of living research and the impact on the adviser
- Rising inflation, a looming problem for NHS pensions
- We’ve enhanced our mobile app
- We’ve made it easier for customers to transfer their savings
- We’ve updated our workplace yearly statements
- PLSA – Retirement Living Standards
- The conundrum of the 10 drop rule
- Advising through the Ukraine crisis
- The top tax year end questions answered
- Consultation on contribution rates for NHS pension scheme members
- What stops people from seeking financial advice?
- Teachers’ Pensions
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Investment articles and guides
- Tactical change – 7 September 2023
- Explaining pound cost averaging to your clients
- Fixed interest performance update and its impact on the Governed Range
- Tactical change – 10 August 2023
- Tactical change – 20 July 2023
- Tactical change – 6 July 2023
- Tactical change – 8 June 2023
- Tactical change – Tactical change – 22 June 2023
- Tactical change – 11 May 2023
- Tactical change – 23 March 2023
- Tactical change – 9 March 2023
- Tactical change 23 February 2023
- We’ve been awarded signatory status under the UK Stewardship Code
- Tactical change – 9 February 2023
- Tactical change 26 January 2023
- Tactical change 5 January 2023
- Tactical change 8 December 2022
- Tactical change 24 November 2022
- Tactical change 10 November 2022
- Advising lower risk clients
- Market outlooks
- The benefits of diversification
- Tactical change 13 October 2022
- Active management in action
- Tactical change 22 September 2022
- Fixed income update
- Tactical change 8 September 2022
- Inflation: How it impacts the Governed Range
- Getting started with your responsible investment advice journey
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Protection articles and guides
- We’re all going on a Summer Holiday
- New My Royal London adviser toolkit
- Consumer Duty – is it a huge protection opportunity for adviser firms?
- Making trusts even easier for you and your clients
- The added value of advised protection
- Royal London acquires Aegon UK’s individual protection book
- Three things you might not know about Royal London protection
- How to place value on protection in tough times
- The impact of career changes on income protection
- Five ways to help your clients stay financially resilient
- The cost of living without protection
- Six ways our online service makes it easier to do business digitally
- Additional anti money laundering (AML) checks
- Using a Whole of Life plan when inheritance tax planning
- Joint life policies and trusts – could you, should you?
- The advantages to adding indexation
- How family income benefit can provide an affordable protection solution
Literature library
- Pensions literature
- Protection literature
- Investment and funds literature
Technical Central
- Ask a question
- Frequently asked questions
- Later life lending
- Meet the experts
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Pensions guidance
- A to Z - Pensions
- Auto enrolment
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Benefit options
- Beneficiary drawdown
- Benefit crystallisation events and the lifetime allowance charge
- Benefit options summary
- Capped income drawdown and review dates
- Emergency tax and lump sum withdrawals
- Fixed protection
- Flexi access drawdown
- Income drawdown and review dates
- Increase in normal minimum pension age in 2028
- Individual protection
- Lifetime allowance
- Lifetime allowance all you need to know
- Lifetime allowance and annual allowance changes for 2023-24 and from 2024-25
- Reaching age 75 our top five FAQs
- Small lump sums
- Taking benefits
- Trivial lump sums
- Uncrystallised funds pension lump sums explained
- Winding up lump sums
- Budgets and Acts
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Case studies
- 3rd party contributions - Saving for future generations
- Carry forward made easy
- Cashing in your pension fund to purchase a property
- Deferring the state pension – how does it work, and is it worthwhile?
- Emergency rate income tax
- Extracting company profits
- How IHT might work on transfer
- Money purchase annual allowance – case studies
- Overseas – continuing to pay contributions to a registered pension scheme after leaving the UK
- Pension death benefits in trust case study
- Taper trap
- UFPLS FAD case study
- Uncrystallised fund pension lump sum versus income drawdown
- Using a pension to offset ISA losses
- Using Salary Sacrifice to save on National Insurance costs
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Contributions and tax relief
- 60 tax relief on pension contributions
- 63% tax relief on pension contributions (Scotland)
- Annual allowance
- Annual allowance: is paying a tax charge such a bad thing?
- Carry forward
- Carry forward - our top five frequently asked questions
- Carry forward calculations
- Carry forward in the 2015-16 transitional year
- Contributing to a child's pension
- Contributions to registered schemes for overseas individuals
- Employer contributions and tax relief
- Member contributions and higher rate tax relief
- Member contributions tax relief and annual allowance
- Money purchase annual allowance
- Pension contributions - All you need to know
- Pension input periods and pension input amounts 2015
- Pension input periods and pension input amounts pre 2015 rules
- Recycling of tax free cash
- Redundancy payments being used for pension contributions
- Refund of contributions
- Scheme pays
- Tapering of annual allowance for high incomes
- Transitional rules for DB schemes (pre 6 April 2016)
- Transitional rules for DC schemes (pre 6 April 2016)
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Death benefits
- Consumer Duty and death benefits
- Death benefits from April 2015
- Death benefits our top five frequently asked questions
- Death benefits pre April 2015
- Death benefits: discretion or direction
- Inheritance tax - pensions v individual savings account
- Nominee and successor flexi access drawdown
- Taxation of pension death benefits
- What is a spousal bypass trust?
- General articles and tools
- Investment standards
- Overseas
- Pension protection
- Pensions and divorce
- State benefits pension manuals
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Transfers
- Protected pension ages of 55 or 56
- Protected pension age
- Tax-free cash protection on transfer
- Safeguarded benefits
- Overseas transfers
- In specie transfers and contributions
- In specie transfers
- DB transfers – two things to think about
- Transfers in drawdown our top five frequently asked questions
- Transferring pensions in ill-health
- Useful links
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Rates and factors
- Annual allowance and money purchase annual allowance
- Automatic enrolment earnings thresholds
- Average weekly earnings
- Consumer prices index
- Earnings cap
- Fixed rate GMP revaluation
- GAD interest rates
- ISA rates & factors
- National average earnings index
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NI limits
- Contracted-In Contribution Rates
- Contracted-Out Money Purchase Contribution Rates
- Contracted-Out Salary Related Contribution Rates
- Contracted-Out Salary Related Rebates
- Low & Secondary Earnings Thresholds
- Lower and upper earnings limits
- National insurance rates and earnings limits from 6 april 2016
- Upper accrual point
- Pension Credit
- Retail prices index
- Standard lifetime allowance
- State pension
- Statutory Sick Pay & Incapacity Benefits
- Tax rates and allowances
- Universal credit
- Statutory adoption, maternity and paternity pay
- Trusts
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Webinars and CPD
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Pensions CPD
- Annual allowance, who’s afraid of the big bad tax charge?
- Bridging the gender pension gap
- Centralised retirement propositions
- Consumer Duty – a practical guide (pensions)
- Death benefits
- Death benefits – Facts and planning
- Delivering value in uncertain times
- Income drawdown - the good, the bad and the ugly
- Maximising workplace pensions benefits
- Pension business owner
- Pension hot topics
- Pension switching: to switch or not to switch - that is the question
- Pension transfers – look before you leap
- Planning for age 75
- Tax relief annual allowance
- Tax year end - your top questions answered
- The business owner - planning for a catastrophe
- The future of auto-enrolment: building on 10 years of success
- The McCloud remedy: Adviser overview – Local Government Pension Scheme (LGPS)
- The McCloud remedy: Adviser overview - unfunded schemes
- The McCloud remedy: taxation and adjustments - unfunded schemes
- Transfers in drawdown
- Protection CPD hub
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Pensions CPD
-
Protection guidance
- A to Z - Protection
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Business protection
- Business protection - Partnerships, LLPs and sole traders - Introduction
- Business protection - Shareholder protection – Wills
- Business protection - Partnership and membership protection – tax implications
- Business protection – Loan protection
- Business protection Partnership, LLPs and sole traders Tax implications
- Business protection Companies Key person protection
- Business protection shareholder protection company buyback of own shares
- Business protection shareholder protection
- Business protection partnership and membership
- Business protection - Partnerships, LLPs and sole traders - Key person protection
- Business protection companies tax implications
- A guide to business protection
- Business protection shareholder protection tax implications
- Case studies
- Family protection
- General and tools
- Inheritance tax and related manuals
- Menu plan of protection benefits
- Relevant life plan
- State benefits, pensions and related manuals
Tools and calculators
- Pension tools
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Protection tools
- Business protection calculator
- Collection date calculator
- Equalisation calculator
- Guaranteed whole of life value calculator
- Inheritance tax calculator
- Lifestyle calculator
- Marketing studio
- Maximum income calculator
- Medical conditions tool
- National insurance calculator
- Pre sale underwriting tool
- Reasons Why Personal Protection Letter Builder
- Relevant life calculator
- Trust picker
- Value of menu tool