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Free UFPLS illustration

If you are considering taking a lump sum withdrawal from your pension, requesting your free, personalised UFPLS illustration is the first step.

It will show you the potential effects of your chosen withdrawal on your remaining pension fund value, including:

  • What your fund value could potentially be in future years, based on assumed investment growth rates
  • The expected effect of charges on your fund value over time

Once you request your illustration there is no obligation to proceed. We will also send you our guide to taking lump sums from the Vantage SIPP, explaining the benefits and risks, and we will outline the next steps should you want to proceed.

Important: The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Drawdown is a more complex option than an annuity. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.

Pension details

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How much you take as a lump sum is entirely down to you. There is no requirement to take all of your pension in one go. Deciding how much you withdraw is an important consideration. It will affect the amount of tax you pay. Keeping the fund invested creates the potential for growth but taking lump sums out will reduce what is left to provide income in future, particularly if your investments perform badly or you take too much out.

Your illustration will assume you are eligible to receive 25% of your withdrawal as tax-free cash. Further details on eligibility can be found in our guide to taking lump sums from the Vantage SIPP.

Investment options

If you know where you'd like to invest your remaining pension, please select your investments below, and your illustration will be based on these investments. If you're unsure, or would rather not invest your pension straight away, please select 'hold as cash'. Please note, the investments you choose below are for your illustration only. They are not an investment instruction.

Investments Amount

Personal details


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This literature is for UK investors only. We are not authorised to send our literature to areas outside the jurisdiction of UK regulation and will be unable to send this literature to any address in the Channel Islands or outside the UK.

Hargreaves Lansdown PLC group companies will usually send you further information by post and/or email about our products and services. If you would prefer not to receive this, please do let us know. Your personal data will remain confidential, and will never be passed to any other company, unless required by law.

Important: The information on our website is not personal advice but we can offer advice if specifically requested. What you do with your pension is an important decision, which could be irreversible. Taking a lump sum is a higher risk option than an annuity. Make sure you understand your options and check they are suitable for your circumstances: take appropriate advice or guidance if you are unsure. The Government's free Pension Wise service can help. It provides impartial guidance face-to-face, online or by phone - more on Pension Wise.