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Inheritance pot

Set some money aside as an inheritance for loved ones or a cause you care about

How the pot works

The inheritance pot works by:

  • you telling us the people or organisations you want to leave money to

  • keeping your inheritance savings invested in a long-term fund

  • allowing you to change who you want to receive the money, whenever you want

  • allowing you to move money out of the pot

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Investment fund details

Money you put in this pot is invested in the Smart Sustainable Growth Fund. This fund is provided by Mobius Life. To see the details of this investment fund, download the Smart Sustainable Growth Fund factsheet.

Tax

Money left in the inheritance pot is not normally subject to inheritance tax.

This is because Smart Retire is written under a pension trust and the money in your account does not form part of your estate. Find out more about inheritance tax.

Apply in three simple steps

Discover how you could combine your retirement options with Smart Retire

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1. Build an
illustration

See how much you could get in retirement with a no-obligation illustration.

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2. Tell us about yourself

Complete our online application form.

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3. Start using Smart Retire

That’s it – you can now start using Smart Retire to manage your money.

Get started

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.