Adviser > Individual > The benefits
The benefits
The real beauty of Pension Portfolio is that it can keep pace with your clients' changing circumstances.
In depth
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We're sure you'll agree that Pension Portfolio is a modern, flexible solution to retirement planning.
The plan that evolves with your clients
The beauty of Pension Portfolio is that it can keep pace with your clients' changing circumstances.
If your clients want to move between the different investment options, they can - at any time. And because the different options are all part of the same plan, there's no need for you to set up a new pension for them to do so. What's more, your clients only pay for the level of investment flexibility and investments selected.
Wide-ranging flexibility
Investment flexibility
From Core Investments through to a fund supermarket and direct asset investment, the Pension Portfolio can be as simple - or as advanced - as any of your clients could want.
Why not take a look at the various investment choices in more detail in our Investment section?
Payment flexibility
Within certain limits, Pension Portfolio lets your clients pay in as much or as little as they like, whenever they like. They can make regular payments monthly or yearly (by direct debit). These can be a fixed amount or increase in line with earnings, RPI or at a set level of between 1% and 10%. The minimum regular payment is £100 a month or £1200 a year.
For single or transfer payments the minimum is £2500, unless your client is making regular payments.
Because clients' circumstances don't stay the same, we've also made it easy for your clients to change their payments in the future. So they can increase, decrease, stop and restart them as they wish.
Benefit flexibility
Pension Portfolio lets your clients access their pension benefits in the way they want, from age 55, using our fully integrated Income Release facility. This is available as long as a minimum of £20,000 is held in their Core Investments. An additional one-off charge will apply for clients wanting to access the Income Release facility.
What's more, your clients can continue to make payments into the plan even after taking benefits out. Perfect for those still working but who want to take a lump sum.
For professional advisers only
