Wherever you are on your journey through life, Winterthur can bring together all your pension arrangements in one place – helping you to invest for your retirement.
What is The One from Winterthur?
It’s a long term pension plan specifically designed with your changing needs in mind.
What does The One from Winterthur offer?
Flexibility – you can make regular or single contributions to build up your pension fund. There is no minimum contribution level. Your employer and other third parties may also contribute to your Plan.
Investment choices – choose between investing exclusively in Winterthur Pension Funds or opt for full Self-investment, giving you access to a wide range of additional investment options as well as Winterthur Pension Funds.
When deciding where to invest you should bear in mind that the value of your pension fund can go down as well as up and is not guaranteed. You may not get back the full amount invested.
Retirement options – when you are ready to start taking your retirement benefits, this Plan offers flexibility over how and when you do so, providing it’s within HM Revenue & Customs (HMRC) and Department for Work & Pensions (DWP) rules. You do not need to decide how you wish to take your benefits until you are ready to take them and you do not need to take them all in one go.
You cannot access your benefits until age 50 (this will rise to age 55 by 6 April 2010).
Transparent charges – We have a policy of open and transparent charging. Our charges will vary in line with the investments you make, hold and sell and any other options featured in the Plan which you may use throughout the life of your pension. Charges are taken to pay for the cost of setting up the Plan, the advice provided, fund management and policy administration.
How can we help you?
For more information, please speak with your Financial Adviser. If you do not have a Financial Adviser follow the link below to locate one near you.
Please note that Financial Advisers use a variety of different ways to charge you for their services and you will be liable for any charges incurred.
Tax and legislation are likely to change in the future. The information above is based on Winterthur's understanding of current law and HMRC rules. The value of any tax benefits will depend on your personal circumstances.
