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Below you’ll find some example members.

We talk about their lifestyles and circumstances, what was important to them (their priorities) and how they decided how to use their retirement accounts.

Meet Jane

Jane has always put money aside each month for that ‘rainy day’. She’s worked hard for it and knowing that she has a little bit extra stashed away means she can treat herself now and again… Like the new patio she’s just had put in. After all, she’ll be spending a lot more time in the garden now she’s retired – hopefully without too many rainy days!

Jane chose to take the maximum tax-free cash lump sum, to top up her treat fund, and used what was left to buy an annuity. This will give her peace of mind and a regular income for the rest of her life.


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Your State Pension

Meet Anouska

Proud mother of three boys and soon to be a grandmother for the first time. With her eldest about to have his first child and her youngest about to get married and buy a house, Anouska is looking forward to spending more time with her growing family during retirement.

Anouska decided to transfer her retirement savings into a Drawdown arrangement so she can withdraw cash when she needs it and help out her family with some of life’s larger expenses.


Read the full factsheet
Your State Pension

Meet Girish

Girish always knew he wouldn’t stay in this job for long. Having worked for 30 years at his previous employer he’d built up a large defined benefit pension. But when he’d been made redundant unexpectedly a few years ago, Girish had just a little more time to go before he could retire. Now that day had come and he could start receiving his pension.

With Girish’s other pension providing sufficient income in retirement and only a small DC pension account, Girish decided to take his whole pension account as a single cash lump sum, even though he knew he’d pay tax on 75% of it.


Read the full factsheet
Your State Pension