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Are protected rights held separately?

An estimated 6 million people will have protected rights in their personal pension, as a result of contracting out of the State Second Pension or SERPS (State Earnings Related Pension Scheme).

Protected rights were abolished on 6 April 2012, meaning you no longer have to hold them separately from the rest of your pension money.

Protected rights in the HL SIPP are merged with 'normal' pension money. This means our clients benefit from managing one single pension.

Many other pension providers haven't made provision to do this. Which means many people could be left with the difficulties of managing multiple pension pots.

Find out how you could transfer your pensions to the HL SIPP

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