Take control of your pension
Winterthur is an established provider of self-invested personal pensions (SIPP) with over 15 years’ experience in the SIPP market.
Designed for those who require the ability to tailor their pension arrangements, The Winterthur Life Self-invested Personal Pension offers you the benefits of a transparent flexible personal pension product, including payment flexibility and control over how and when you take your benefits at retirement, subject to HM Revenue & Customs (HMRC) rules, with the added flexibility of allowing you to choose and control where your pension fund is invested.
The size of your pension fund and the benefits it provides in retirement will partly depend on the investments you choose. When deciding where to invest you should bear in mind that the value of investments can go down as well as up, you may not get back the full amount invested.
Contribution flexibility
We do not impose a minimum contribution limit so you can choose how much to invest, subject to your contributions being tax relievable.
You, your employer or a third party can make single or regular contributions to your pension plan and stop, increase, or decrease payments without penalty.
Investment flexibility
As well as a wide range of investments including commercial property, you can choose to invest in the Tailored Selection and the Elite Fund of Funds Range.
With free switching between Winterthur funds, adapting your portfolio to meet your changing investment needs is simple.
Making investment easy
Your Financial Adviser can access a wide range of funds through our online fund supermarket and equities through our online equity trading platform.
You can also opt to use the discretionary services of one of our carefully selected Panel of Portfolio Managers.
Retirement flexibility
Winterthur has a range of options providing you with flexibility over how and when you take your benefits. You don't need to decide how you wish to take your benefits until you are ready to take them.
You cannot access your benefits until age 50 (age 55 if benefits haven't been taken by 6 April 2010).
Transparency
You enjoy a clear and transparent charging structure with no penalties if you choose to vary contributions, retire early or transfer to another provider, although you may incur charges from the receiving scheme if you transfer.
For more information contact your Financial Adviser or find a Financial Adviser in your area.
