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Pensions and retirement

At retirement already, not quite there yet, or some way off? We can help you along the way.

Saving for retirement?

Build your pension pot and help it grow with our award-winning SIPP.


SIPP (Self invested personal pension)

Save for your retirement and stay in control of your pension pot with a HL SIPP.

More about SIPPs

Is your pension on track?

Find out with our FREE pension calculator

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Saving for your retirement?

Find out more about SIPPs

Are you about to retire?

Our service can help you to choose the best option to help

     make the most of your retirement.

   Compare your options at retirement

Following the recent pension changes, you have more freedom on how to take an income when you retire.

Compare your options and learn more

Retirement income options

There are three main options for taking regular income, as well as a tax-free lump sum of up to 25%. Or you can take lump sums directly, 25% usually tax free. Tax rules can change and the value of any benefits depends on individual circumstances.



Receive a guaranteed income for the rest of your life.

New drawdown


Your pension remains invested - you can withdraw what you want, when you want.

Mix & match

Mix and match your options to receive a blend of secure and variable income.

Information and resources

Free guide to SIPPs

Find out how to take control of your pension with a SIPP

Download your free guide

What if you don't want a regular income?

Take lump sums straight from your SIPP, from age 55 if you've not taken tax-free cash or income out already. 25% of each lump sum is tax free, the rest is taxable.

More about lump sums

Do you have any queries?

Call: 0117 980 9926

Email us | FAQs

Free calculators and tools

Free calculators and tools to help you

View all investment tools & calculators