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Pensions

The Collective Retirement Account

As an experienced pensions provider, we’re trusted by over 180,000 pension customers. Our pension, the Collective Retirement Account (CRA), offers a wide range of flexible options to you with no additional costs.
 
Because it’s a pension, the CRA benefits from certain tax advantages that aren’t available to other kinds of investment.
 
  • You can transform your taxable income into highly tax-efficient long-term savings
  • Usually, you can take up to 25% of your fund as a tax-free sum when you start taking benefits.

Features and benefits of the Collective Retirement Account

  • Open an account with as little as a lump sum of £3,600 or a £99 regular monthly contribution.
  • You can transfer other pensions into the CRA easily, allowing you to put your retirement savings in one place.
  • Access over 2,100 funds and more than 600 exchange traded investments to grow your retirement savings.
  • Gives you the flexibility to take income or lump sums from your CRA, normally any time from your 55th birthday, whilst leaving the rest of your retirement fund invested.
  • Your account provides benefits for your loved ones on your death.
  • If your family members also invest with us, you can link your assets with theirs and enjoy a lower effective charge for every person linked.
  • Activate your online Customer Centre account to get access to performance analysis and key documents.
  • You have the option, if you need it, to transfer the value of your CRA to another pension scheme or use it to buy a guaranteed income for life.

Trusted by over 180,000 pension customers

Comprehensive range of flexible options

Link your assets with family members

Next steps

Because we believe in the value of financial advice, all of our products are only available via a financial adviser.

Contact your financial adviser to discuss how this could be the right product for you.

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