Retire your way
Smart Retire is a tool you can use to plan your retirement income in advance, and manage it once you get there.
- get a regular income for some or all of your retirement
- put money aside to access when you need
- take 25% as tax-free cash when you join
- use our investment strategies to help your money grow
- adapt the plan as much as you want as your needs change
How it works
be a member of Smart Pension
have at least £20,000 in your Smart Pension account
be at least 55 years old
want to choose your own investment funds
use a Shariah fund
use a specialised environmental, social and governance (ESG) investment fund
can take more than 25% of your pension as a tax-free lump sum
are in serious ill health
We invest your money in funds managed by Legal & General.
Each fund is designed to meet a specific investment goal – whether that’s keeping up with inflation or growing your money so you have something in retirement.
You can talk to friendly, helpful people when you need to by giving us a call or sending us a message.
You can also use the Smart Retire member booklet.
If you'd like impartial guidance to help you decide what retirement income options are right for you, you can also use the government's Pension Wise service.
Apply in three simple steps
Discover how you could combine your retirement options with Smart Retire
See how much you could get in retirement with a no-obligation illustration.
Complete our online application form.
That’s it – you can now start using Smart Retire to manage your money.
We’re here to help
Have a question about Smart Retire? Our friendly UK-based team is here to help.
Simply send us a secure message using the Contact us button at the bottom of your screen and we'll reply as soon as possible.