To make your pension savings work as hard as possible we ask you to split them into four pots. Don’t worry if it feels like a scary thing – we’ll give you projections all the way through and nothing is set in stone.
It’s your money. Stay in control.
Decide how you want to split your savings for the retirement you want to have.
Your income pots
Two different income pots to meet your changing needs in retirement.
Flexible income pot
Use this pot to take a monthly income in the early years of your retirement. We’ll show you how much you could take each month to help you plan your retirement.
The government lets you take 25% of your pension savings as a tax-free lump sum. We’ll factor your decision in when showing how much you could have in retirement - and if you apply for Smart Retire, we’ll pay it directly to your bank account.
Apply in three simple steps
Discover how you could combine your retirement options with Smart Retire.
1. Build an
See how much you could get in retirement with a no-obligation illustration.