Read all the literature below to understand more

However, if your plan number starts with SW, please visit the member changes page to access Terms and Conditions, Key Features and Example Illustration documents that are relevant to your plan.

• Member Guide – this should answer most of your questions.
• Key Features – important information you need to read.
• Example Illustration – this shows our standard charges and how they could affect what you might get back. Your actual charges may be different from those shown, please see your personalised illustration for details of these.
• Nomination Form - So that we can take your wishes into account, please let us know who you want to leave your pension to in the event of your death. It’s easy to do this by completing a nomination form online. Alternatively please download the form, fill in the name(s) then sign it. You can post it to: Scottish Widows Workplace Savings, PO Box 24173, 69 Morrison Street, Edinburgh EH3 1HP.
• Declaration
• Important Notes For Applications
• Policy Provisions
• A Guide to Pension Tax
• Tapered Annual Allowance Explained
• Lifetime Allowance Explained
• Pension Death Benefits Explained
• Salary Exchange Guide - A guide to salary exchange if relevant for your scheme

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.

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.

Your employer will give you details of the default investment option they’ve picked for your pension. You have the option to change your investment choice after the first contribution has been made.

Your options are:

• Choose to stay in the default investment option,
• Choose one of our Pension Investment Approaches or one of our Premier 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

If your plan number starts with SW, please visit the member changes page to access the Pension Investment Approaches Guide and the Pension Fund Investors Guide that are relevant to your plan.

1. Read our Pensions Investment Approaches Guide, Investing Responsibly with your Pension, Premier Lifestyling Options Guide and our Pension Fund Investors Guide for information on the options available.
2. Get the latest Fund Prices.
3. If you want to switch your funds, we recommend speaking to a financial advisor (you’ll normally 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.

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

Years from retirement and nearing retirement

If your plan number starts with SW, please visit the member changes page to access the Charges Sheet Tool that is relevant to your plan.

• Cost Of Delay Calculator – find out the benefit of paying in today.
• Charges Sheet Tool – use this tool to work out the charges for your investment choice.
• Pay More Calculator – Calculate the benefits of increasing payments to your workplace pension
• Pension Payments Calculator – Find out ‘who pays what’ to your workplace pension

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.