Retirement income and planning

We focus on aspects of longer term pension planning. Includes retirement age and benefit crystallisation, tax free cash and income options, pensions and divorce, triviality, ill-health and much more.

Opportunities in the market


Build your business with the Retirement Account

We want to help you build your business. So we've provided some sample letters, sales aids and a guide which will help encourage your Retirement Account customers to review and increase their pension plans.

Also have a look at our guides and tools for designation, income recycling and offsetting investment loss.


Retirement planning

Are your clients looking to build a retirement pot? We review the benefits and planning opportunities in our articles and case studies.


Other opportunities for retirement planning

View the opportunities available with pension transfers and switching, including the change to the Retirement Account charging structure.


Retirement income (Income Drawdown)

Are your clients focusing on the options for planning an income in retirement? We review the benefits and planning opportunities in our articles and case studies.


Other opportunities for retirement income

Potential options for your clients with contributions and tax relief and death benefits and trusts.

Products


Retirement planning


Retirement Income

Funds

View the latest fund prices, factsheets and performance.

Retirement Account Fund Supermarket Search tool.

eServices, tools and calculators


Tools and calculators

We've designed a number of tools to help with your retirement planning and income including


eServices

As part of the Lloyds Banking Group, Scottish Widows is proud to be an Official Provider of the London 2012 Olympic and Paralympic Games.

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Scottish Widows plc, registered in Scotland number 199549. Registered office in the United Kingdom at 69 Morrison Street, Edinburgh EH3 8YF. Telephone: 0131 655 6000. Scottish Widows plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 191517.

Scottish Widows Unit Trust Managers Limited, registered in England and Wales number 1629925. Registered office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Telephone: 0845 300 2244. Scottish Widows Unit Trust Managers Limited is authorised and regulated by the Financial Services Authority. Our FSA register number is 122129.

Clerical Medical Investment Group Limited, registered in England and Wales number 3196171. Registered office in the United Kingdom at 33 Old Broad Street, London EC2N 1HZ. Authorised and regulated by the Financial Services Authority. Our FSA register number is 181655.

CMI Insurance Company Limited. Scottish Widows is a trading name of CMI Insurance Company Limited. CMI Insurance Company Limited, registered in Isle of Man number 33520. Registered office in the Isle of Man at Clerical Medical House, Victoria Road, Douglas, Isle of Man, IM99 1LT.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. HBOS Investment Fund Managers Limited is authorised and regulated by the Financial Services Authority.

St Andrews Life Assurance plc, registered in England and Wales number 3104670. Registered office in the United Kingdom at 33 Old Broad Street, London EC2N 1HZ. Authorised and regulated by the Financial Services Authority. Our FSA register number is 189101.

Scottish Widows Bank plc, registered in Scotland no. 154554. Registered office in the United Kingdom at PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Scottish Widows Bank plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 201601. The main business of Scottish Widows Bank is arranging, entering into and administering mortgages and accepting deposits.

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