Welcome to your workplace pension

Everyone needs a plan for retirement. If you are considering joining your company's Group Stakeholder Pension plan or are already a member you can find out about the benefits of the plan here. It’s a great way for you to prepare for the retirement you want. When you start paying in, your employer will also start paying in. This site is designed to help you understand your pension and your Retirement Journey.

Scottish Widows can help you

  • Understand your pension. Read the Member Guide and click on the information below.
  • Find out what you can do to help you plan for your future – see our Retirement page
  • Access your pension online.

About your pension

Understanding your pension

Read all the literature below to understand more

Unless your retirement is on the horizon, you may struggle to picture exactly what you’ll be doing in 20-40 years time. Our Retirement page can help you think about things that you should do whether you’re years from retirement or retiring soon.

Investment choices

Information on the investment choices available to you can be found here.

Your options are:

  • Choose one of our Pension Investment Approaches based on your feelings about risk, how you currently intend to take your benefits and the way you want your money to be invested, and then let us manage this through to your retirement, or
  • Be very ‘hands on’ and select from our collection of investment funds.

Guidance to making your investment choice

  1. Read our Pensions Investment Approaches Guide and our Pension Fund Investors Guide for information on the options available.
  2. If you're thinking about investing in one of our PIAs or one of our PPIAs, to help you find out if you’re a Cautious, Balanced or Adventurous investor use the Investment Decision Tool to find out which approach to investing might suit you best.
  3. Get the latest Fund Prices.
  4. If you want to switch your funds, we recommend speaking to a financial advisor (you may be charged for this service). If you don't have a financial adviser you can find one in your local area at www.unbiased.co.uk. If you are clear on which fund you want to move to, you can call us on 0345 300 2443.

How do I join?

Once you have read the Key Features along with the Important Notes For Application simply complete the Joining Form and return it to your employer. Details of the terms and conditions of the plan can be found in the Policy Provisions.

Tools and calculators

Our range of tools can help you throughout your Retirement Journey.

Years from retirement and nearing retirement

Retiring soon

  • Pensions Options Calculator – calculate and compare your pension options – based on your pension pot
  • Tax Calculator – Get an indication of how tax might be deducted if you decide to take a cash lump sum

What next?

YOUR PENSION. MADE SIMPLE.

Introducing your new online services

  • See the value of your pension pot
  • Review your contributions online
  • Manage your personal details

Not registered yet?

retirement Explained

  • Find out how much you should consider saving
  • Expert videos and calculators
  • Your options at retirement

COVID-19 Update

Visit our coronavirus support page to help you manage your finances and wellbeing during these uncertain times. We have a wealth of information available to you from frequently asked pension questions to our expert at home films which cover topics such as how coronavirus could impact your investments and should you postpone retirement. We also ask that you continue to use our online services whenever possible as this helps us keep our telephone service free for our most vulnerable customers.

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Contact us

Civil Service member helpdesk
03457 556 557
Open 8am to 6pm weekdays

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cs.stakeholder@scottishwidows.co.uk

Increase to minimum pension contributions

See how the changes could affect you

Transferring existing pension plans

If you’ve decided to combine your pensions, did you know that doing it online could save you time? Simply log in online to transfer your pensions and combine them into one easy-to-manage plan.

Pension transfers require careful consideration as there are a number of things you need to understand before deciding if it’s right for you. We don’t offer financial advice as part of this process and we won’t compare pension charges for you, so you’ll be responsible for making sure that transferring is in your best interest.

After reading the literature within the links on this page, we recommend that you either save or print a copy and keep this safe for future reference. Please contact Scottish Widows on 03457 556 557 for a paper copy of any of the above literature. The literature and materials available here will be reviewed and updated from time to time. You should check back regularly to make sure you are using the most up-to-date version available.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn't guaranteed, and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Scottish Widows is not providing you with advice on this site. If you have any queries as to whether this product is suitable for you, please contact your financial adviser.