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NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) YOUR FUTURE IS FULL OF CHOICES 2 Your future is full of choices Take the lot If you’re 55 or over you’ve the option to take your whole pension pot in one go if you wish. A quarter of your pension pot can usually be taken tax-free –the rest
MANAGED PENSION FUND Managed Pension Fund This investment has a volatility rating of 4 The level of risk in this investment will stay at risk level 4; meaning you won’t reduce your risk YOUR INVESTMENT CHOICES AND CHARGES Your investment choices and charges 03 Charges Fund management charge This charge varies depending on the fund. Check our fund lists for the charges for each individual fund. Additional expenses May be charged by fund managers to cover other fees, like fees for trustees orregistrars.
UNDERSTANDING UNIT-LINKED FUNDS 02 Understanding unit‑linked funds What types of unit-linked funds are there? A unit‑linked fund, also referred to as an insured fund, is a fund that is linked to a plan issued by INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION 04 Information about tax relief, limits and your pension How you receive tax benefits on your payments into the pension will depend on how they are made: Before Tax: Normally this type of ACTIVE PLUS V UNIVERSAL STRATEGIC LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT OPTIONS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan QUESTIONS AND ANSWERS Questions and answers 01/04 Questions and answers To help you understand what is involved in the B/C Share Scheme, the following sets out some frequently asked questions and provides brief responses. STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password MANAGED PENSION FUND Managed Pension Fund This investment has a volatility rating of 4 The level of risk in this investment will stay at risk level 4; meaning you won’t reduce your risk YOUR FUTURE IS FULL OF CHOICES 2 Your future is full of choices Take the lot If you’re 55 or over you’ve the option to take your whole pension pot in one go if you wish. A quarter of your pension pot can usually be taken tax-free –the rest
YOUR INVESTMENT CHOICES AND CHARGES Your investment choices and charges 03 Charges Fund management charge This charge varies depending on the fund. Check our fund lists for the charges for each individual fund. Additional expenses May be charged by fund managers to cover other fees, like fees for trustees orregistrars.
GUIDE TO YOUR WITH-PROFITS INVESTMENTS FOR CONVENTIONAL PLANS Guide to your with-profits investments for conventional plans 03/05 Where do we invest your with-profits monies? We invest the money you pay us, and the money paid by BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT OPTIONS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION Information about tax relief, limits and your pension 03 The government provide tax benefits on payments you make to your plan. This will normally be at the highest rate of income tax above the QUESTIONS AND ANSWERS Questions and answers 01/04 Questions and answers To help you understand what is involved in the B/C Share Scheme, the following sets out some frequently asked questions and provides brief responses. UK SMOOTHED MANAGED WITH- PROFITS FUND INVESTMENT REPORT 02/03 UK Smoothed Managed With-Profits Fund Investment Report Overseas Equities Following a rocky start to the year, US equities performed well in the first quarter. January proved to be volatile, with US shares falling, despite reaching record highs early in the month afterthe Democrats
STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
ACTIVE MONEY PERSONAL PENSION Active Money Personal Pension Key Features 01/12 This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independent STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
ACTIVE MONEY PERSONAL PENSION Active Money Personal Pension Key Features 01/12 This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independentNETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | |GROUP PENSION ZONE
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. TAKING A FLEXIBLE INCOME OR LUMP SUM 02 Taking a flexible income (or lump sum) Making your pension pot last Remember, you could run out of money if you withdraw too much or you live longer than you expect to. Take a look below to understand how long you may need your pension money to last. MANAGED PENSION FUND Managed Pension Fund This investment has a volatility rating of 4 The level of risk in this investment will stay at risk level 4; meaning you won’t reduce your risk TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION 04 Information about tax relief, limits and your pension How you receive tax benefits on your payments into the pension will depend on how they are made: Before Tax: Normally this type of PASSIVE PLUS IV UNIVERSAL STRATEGIC LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where GUIDE TO YOUR WITH-PROFITS INVESTMENTS FOR CONVENTIONAL PLANS Guide to your with-profits investments for conventional plans 03/05 Where do we invest your with-profits monies? We invest the money you pay us, and the money paid by BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT OPTIONS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan HERITAGE WITH-PROFITS FUND INVESTMENT REPORT: UK PENSION 02/07 Heritage With-Profits Fund Investment Report: UK Pension Business Overseas Equities Following a rocky start to the year, US equities performed well in the first quarter. January proved to be volatile, with US shares falling, despite reaching record highs early in the month after the Democrats STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
ACTIVE MONEY PERSONAL PENSION Active Money Personal Pension Key Features 01/12 This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independent STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | | WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% MULTI-FACTOR AUTHENTICATION™ Multi-Factor Authentication User Log In. Username Password BALANCED MANAGED UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to whereSTANDARD LIFE
Standard Life
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
ACTIVE MONEY PERSONAL PENSION Active Money Personal Pension Key Features 01/12 This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independentNETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | |GROUP PENSION ZONE
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. TAKING A FLEXIBLE INCOME OR LUMP SUM 02 Taking a flexible income (or lump sum) Making your pension pot last Remember, you could run out of money if you withdraw too much or you live longer than you expect to. Take a look below to understand how long you may need your pension money to last. MANAGED PENSION FUND Managed Pension Fund This investment has a volatility rating of 4 The level of risk in this investment will stay at risk level 4; meaning you won’t reduce your risk TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION 04 Information about tax relief, limits and your pension How you receive tax benefits on your payments into the pension will depend on how they are made: Before Tax: Normally this type of PASSIVE PLUS IV UNIVERSAL STRATEGIC LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where GUIDE TO YOUR WITH-PROFITS INVESTMENTS FOR CONVENTIONAL PLANS Guide to your with-profits investments for conventional plans 03/05 Where do we invest your with-profits monies? We invest the money you pay us, and the money paid by BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT OPTIONS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan HERITAGE WITH-PROFITS FUND INVESTMENT REPORT: UK PENSION 02/07 Heritage With-Profits Fund Investment Report: UK Pension Business Overseas Equities Following a rocky start to the year, US equities performed well in the first quarter. January proved to be volatile, with US shares falling, despite reaching record highs early in the month after the Democrats LOGIN TO YOUR WORKPLACE PENSION ADMINISTRATION PLATFORMSTANDARD LIFE GROUP PENSIONSTANDARD LIFE ONLINE This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of Standard Life Aberdeen group. Full product and service provider details are described on the legal information.. Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH2 2LL. STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
GROUP PENSION ZONE
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. MULTI-FACTOR AUTHENTICATIONâ„¢ Multi-Factor Authentication User Log In. Username Password HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT …BNP PARIBAS INTERNET BANKINGBNP PARIBAS LOGOWANIEBNP PARIBAS MON COMPTEBNP PARIBAS WEBSITEPARIBAS BNP POLSKA FORTIS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION Information about tax relief, limits and your pension 03 The government provide tax benefits on payments you make to your plan. This will normally be at the highest rate of income tax above the HERITAGE WITH-PROFITS FUND INVESTMENT REPORT: UK PENSIONPENSION FUND INVESTMENT MANAGEMENTPENSION FUND MANAGEMENTGOVERNMENT PENSION INVESTMENT FUNDUK PENSION POLICYSTABLE ASSET FUND IISTANDARD STABLEASSET FUND 2
02/07 Heritage With-Profits Fund Investment Report: UK Pension Business Overseas Equities Following a rocky start to the year, US equities performed well in the first quarter. January proved to be volatile, with US shares falling, despite reaching record highs early in the month after the Democrats LOGIN TO YOUR WORKPLACE PENSION ADMINISTRATION PLATFORMSTANDARD LIFE GROUP PENSIONSTANDARD LIFE ONLINE This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of Standard Life Aberdeen group. Full product and service provider details are described on the legal information.. Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH2 2LL. STANDARD LIFE UK ONLINE SERVICING This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of the Phoenix Group. Full product and service provider details are described on the legal information (opens in a new window). Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH22LL.
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Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. MULTI-FACTOR AUTHENTICATIONâ„¢ Multi-Factor Authentication User Log In. Username Password HOW TO CHOOSE THE RIGHT INVESTMENT OPTIONS FOR YOUR PENSION 02 How to choose the right investment options for your pension Before making your investment choices please make sure you read the following information, which includes details of some of the risks you should beaware of.
BALANCED MANAGED II UNIVERSAL LIFESTYLE PROFILE You’re in a lifestyle profile. In a nutshell, as you get closer to retirement, we’ll automatically move your money into funds that are usually lower risk and are designed to get your investments to where WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
BNP PARIBAS RETIREMENT SAVINGS PLAN YOUR INVESTMENT …BNP PARIBAS INTERNET BANKINGBNP PARIBAS LOGOWANIEBNP PARIBAS MON COMPTEBNP PARIBAS WEBSITEPARIBAS BNP POLSKA FORTIS bnp paribas retirement savings plan your investment options v i s t a enter the bank for a changing world vista retirement savings plan INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION Information about tax relief, limits and your pension 03 The government provide tax benefits on payments you make to your plan. This will normally be at the highest rate of income tax above the HERITAGE WITH-PROFITS FUND INVESTMENT REPORT: UK PENSIONPENSION FUND INVESTMENT MANAGEMENTPENSION FUND MANAGEMENTGOVERNMENT PENSION INVESTMENT FUNDUK PENSION POLICYSTABLE ASSET FUND IISTANDARD STABLEASSET FUND 2
02/07 Heritage With-Profits Fund Investment Report: UK Pension Business Overseas Equities Following a rocky start to the year, US equities performed well in the first quarter. January proved to be volatile, with US shares falling, despite reaching record highs early in the month after the Democrats LOGIN TO YOUR WORKPLACE PENSION ADMINISTRATION PLATFORM This website describes products and services provided by Standard Life Assurance Limited and subsidiaries of Standard Life Aberdeen group. Full product and service provider details are described on the legal information.. Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH2 2LL.NETSCALER AAA
www.citrix.com. www.citrix.com | | | | | | | | | |GROUP PENSION ZONE
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. WITH-PROFITS PENSION PLANS With-Profits Pension Plans 03/04 Unit Price Growth Rates (annual equivalent) Guaranteed GrowthRate Bonus Growth Rate Total Growth Rate 01/02/99 – 31/01/02 0.0% 5.5% 5.5% TAKING A FLEXIBLE INCOME OR LUMP SUM 02 Taking a flexible income (or lump sum) Making your pension pot last Remember, you could run out of money if you withdraw too much or you live longer than you expect to. Take a look below to understand how long you may need your pension money to last. WITH-PROFITS BONUS DECLARATION 02/04 With-profits bonus declaration From 1 February 2021 (until further notice) guaranteed benefits will grow at a rate of With Profits Bond 2.5% a year Other unitised life plans, including Homeplan0.5% a year
TRADITIONAL UNIVERSAL LIFESTYLE PROFILES Traditional Universal lifestyle profiles 03/32 % of investments 100 90 80 70 60 50 40 30 20 10 0 >109 8 67 54 3 21 3 months Years from retirement Balanced Managed I Universal Lifestyle Profile (2BAL) INFORMATION ABOUT TAX RELIEF, LIMITS AND YOUR PENSION 04 Information about tax relief, limits and your pension How you receive tax benefits on your payments into the pension will depend on how they are made: Before Tax: Normally this type of ACTIVE MONEY PERSONAL PENSION Active Money Personal Pension Key Features 01/12 This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independent ACTIVE RETIREMENT STRATEGIC LIFESTYLE PROFILES 04/18 Active Retirement strategic lifestyle profiles The funds are managed by a team of investment experts at Aberdeen Standard Investments. With the Active Plus and MyFolio Managed funds, the team can decide how much is in each type of investment toSkip navigation
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Standard Life Assurance Limited continues to use the Standard Life brand, but products and services under this brand are provided by different companies:PENSIONS
All the pension products on this website are provided by Standard Life Assurance Limited, which is part of the Phoenix Group. Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.ADVICE
Where we mention financial advice from Standard Life on this website, the advice services are provided by the Standard Life Aberdeen Group. Our Retirement Advice service is provided by Standard Life Client Management Limited. Standard Life Client Management Limited is registered in Scotland (SC193444) at 1 George Street, Edinburgh, EH2 2LL. Standard Life Client Management Limited is authorised and regulated by the Financial Conduct Authority. We also refer to advice from 1825 on this website. '1825' is a trading name used by 1825 Financial Planning and Advice Ltd, which is part of the Standard Life Aberdeen group. 1825 Financial Planning and Advice Ltd is registered in England (01447544) at 14th Floor 30 St. Mary Axe, London, England, EC3A 8BF and is authorised and regulated by the Financial Conduct Authority.ISAS
The Standard Life Stocks & Shares ISA and Personal Portfolio are provided by Standard Life Savings Limited, which is part of the Standard Life Aberdeen Group. Standard Life Savings Limited is registered in Scotland (SC180203) at 1 George Street, Edinburgh, United Kingdom, EH2 2LL. Standard Life Savings Limited is authorised and regulated by the Financial ConductAuthority.
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Our Onshore Bond products are also provided by Standard Life Assurance Limited, which is part of the Phoenix Group. Our Offshore Bond is provided by Standard Life International dac, which is part of the Phoenix Group. Standard Life International dac is authorised and regulated by the Central Bank of Ireland and subject to limited regulation in the UK by the Financial Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us onrequest.
Standard Life International dac is a designated activity company limited by shares and registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin.EQUITY RELEASE
Standard Life Equity Release is provided by Age Partnership Limited. Standard Life Client Management acts as an introducer and refers customers to Age Partnership Limited. Age Partnership Limited (registered in England (5265969) at 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB). Age Partnership is authorised and regulated by the Financial Conduct Authority. Their FCA register number is 425432. WITH-PROFITS INVESTMENTS The with-profits investments on this site are provided by Standard Life Assurance Limited, which is part of the Phoenix Group. For more information please read our Service and Provider Informationpage.
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