UK Stakeholder Pensions

Stakeholder Pension Information

A Stakeholder Pension is a flexible and tax- efficient way of planning your retirement. The Royal Bank of Scotland Stakeholder Pension* is open to people from all walks of life. You could be under 18, caring for a relative on a full-time basis or unable to work, but for the first time you will be able to save for your own retirement whether you are earning or not. Additionally you could contribute for someone else!

Simplicity: you can start the Stakeholder Pension with as little as £20 including tax relief and with our low charges, your money works from day one. You may be able to contribute up to £3,600 each year even if you have no earnings, or even more if your earnings allow. Annual statements are also available. Flexibility: regular contributions can be stopped, reduced or restarted at any time without penalty. You can continue to contribute even if you are not earning. You can also make one-off contributions if you wish. You can even arrange for a relative or friend to make contributions for you. You are free to take your plan with you from job to job or transfer it to another provider. Value-for-money: there is only one charge which, if you apply online, will not be more than 0.9% of the value of your fund each year. Because you get tax relief on all your contributions, Stakeholder Pensions are a very tax-efficient way of saving for your retirement. In addition, you can get a tax-free lump sum when you retire. There is also a choice of investment funds available. A full list of the Stakeholder Pension features is available It is essential for everyone to consider the risk factors To help you to decide whether a Stakeholder Pension is right for you there is a decision tree and a variety of case studies available to you There is a useful FAQ guide designed to answer your queries quickly and easily. We recommend you read this section to fully understand this type of pension. You can select an investment fund if you wish to do so. You do not have to. We offer a range of Investment Funds.