Looking after your retirement

It may be forty years or forty days away, but our primary job is to make sure you’re ready for retirement.

We’ve been managing pension schemes for years and provide a range of retirement products that can help you save for your retirement and manage your pension savings when you retire. 

We work closely with respected UK fund managers to offer a range of funds and investment portfolios that are designed to match different investment needs. We regularly monitor and review the funds we invest in, to ensure they are continuing to meet their investment objectives.

We’re authorised and regulated by the Financial Conduct Authority and are committed to treating our customers fairly. 

Straightforward products

Our pension and drawdown plans offer you straightforward and flexible choices when providing for your retirement.

  • Income Drawdown Plan
    • Take up to 25% of your pension fund as tax-free cash
    • Choose what taxable income you need
    • Your pension fund remains invested
    • A medium to long-term investment
    • Choose where to invest from a range of portfolios
    • Pass on your remaining savings when you die
  • Cash Fund Drawdown
    • Designed for those who want to deplete their pension fund over a short time
    • Take up to 25% of your pension fund as tax-free cash
    • Choose what taxable cash withdrawals you need
    • Invests in the LF Cash Fund
    • Pass on your remaining savings when you die
  • Personal Pension Plan
    • Tax relief can boost your pension savings
    • Make as many regular or ad-hoc payments as you like
    • Invest in a range of funds or choose a Lifestyle profile
    • Increase, decrease, stop and start your payments to suit your circumstances
    • Flexible ways to take your savings at retirement
  • Stakeholder Pension Scheme
    • Closed to new business
    • Receive tax relief on your pension savings
    • Simple and straightforward investment choices
    • Annual Management Charge not exceeding 1%
    • Flexible ways to pay to suit your circumstances
    • Your employer can make contributions too
  • Capped Drawdown Plan
    • Closed to new business
    • Taxable income
    • Your pension fund remains invested
    • A medium to long-term investment
    • Invests in a range of funds and portfolios
    • Pass on your remaining savings when you die
    • Existing investors call us on 0345 055 0606

Helping you to plan

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Tax information

Put simply, you don’t pay tax when saving into your pension, but you do when taking your pension.

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Countdown calendar

If you have a pension with us, we explain what happens as you get closer to retirement.