Compare pensions


Pensions

Choose the pension plan that's right for you


All retirement strategies will have a broadly similar objective – maximising the returns you receive consistent with the level of risk you’re prepared to accept.

Choosing the type of pension plan that meets your strategy will depend on a number of factors including how much and how often you want to save, what you want your pension fund to invest in and your attitude to investment risks.

The information here relates to RBS pension plans administered and provided by Aviva.

The final value of your pension fund will depend primarily on how much has been paid in and how well the fund’s investments have performed. The value of investments can fall as well as rise, and you may not get back the full amount you invest.

Stakeholder Pension


Low cost, low minimum contribution. You don’t need to be working to save this way.
 

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Key Points

  • Save from just £20 a month
  • Change, stop and restart your payments
  • Open to everyone – employed, self employed and people not in work
  • Choice of low to medium risk investment funds
  • Your employer can make contributions to your plan
  • Limited investment choice


Personal Pension


Wider investment choice. Accepts single and regular contributions. For employees and the self-employed.
 

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Key Points

  • Save from £200 a month
  • Accepts transfers from your other pension funds
  • Your employer can make contributions to your plan
  • Choose from our multi-manager funds to suit your risk profile
  • Flexibility when it comes to taking your benefits




Self Invested Personal Pension (SIPP)

You choose how your money is invested. Ideal for large lump sum contributions and transfers.

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Key Points

  • Invest in assets of your choice including shares and commercial property
  • Accepts transfers from your other pension funds
  • Flexibility when it comes to taking your benefits
  • Added flexibility means higher charges than personal pensions
  • Your employer can make contributions to your plan

Need help deciding?

Our financial planning advisers will look at your individual circumstances and recommend the right plan for you.

Get in touch

Get in touch

If you’re ready to get your retirement plans started, we’re ready to help you.
Call us on 0800 051 1872 .