Retire your way
Everyone’s financial needs will be different in retirement. And those needs can change as you move through your retirement journey. That's why we've created Smart Retire, as part of the Smart Pension Master Trust.
Smart Retire lets you blend different options to provide flexibility and security throughout retirement.
Blend options to meet your goals
Smart Retire is a flexible, cost-effective way to combine different options to provide an income in retirement.
Ease into retirement by taking a flexible monthly income that you can adjust to meet your personal income needs.
Keep some money invested to grow for later in retirement. For example, to buy an annuity that provides a guaranteed income.
Withdraw cash lump sums whenever you need to pay for planned expenses, like home improvements or a holiday.
Easy to use
Plan your income
It’s simple to make withdrawals or change how much you receive
Everything in one place
At a glance check your pension savings and how long your income could last
Manage your money
Easily move your money between your income and savings pots
You can talk to friendly, helpful people when you need to by giving us a call or sending us a message.
We also have the Smart Retire member booklet, and an FAQ section full of answers to the most common questions. They're there whenever you need them.
If you'd like impartial guidance to help you decide what retirement income options are right for you, you can also use the government Pension Wise service.
We invest your money in funds managed by Legal & General - one of the biggest financial services companies in the world.
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.
Please note that Smart Retire doesn't currently offer specialist Shariah or ethical funds.
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 straightforward 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.
