THE SIT SIPP. Self Invested Personal Pension. Benefit Form drawdown and lump sum payments

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "THE SIT SIPP. Self Invested Personal Pension. Benefit Form drawdown and lump sum payments"

Transcription

1 THE SIT SIPP Self Invested Personal Pension Benefit Form drawdown and lump sum payments

2 The SIT SIPP Benefit Form - drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a lump sum or income drawdown. If you want to take an annuity, please use the SIPP benefit form annuity purchase for this. Taking benefits from your pension is an important decision. We recommend that you take advice from a regulated financial adviser before making your decision. Pension Wise You are also entitled to free, impartial guidance on your options from the Government-backed Pension Wise service. You can access this online at over the telephone from The Pensions Advisory Service or face-to-face through the Citizens Advice Bureau. To book a telephone or face-to-face meeting, call Pension Wise on This is not a substitute for full, regulated financial advice. Please use BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate. If you would like a copy of this, or any other item of our literature, in large print, Braille or audio format, please contact us on or by at This benefit form must be completed if you wish to: Start drawing benefits from your SIPP as a tax-free lump sum (pension commencement lump sum) and flexi-access drawdown. Add additional uncrystallised funds to your existing income drawdown fund (capped or flexi-access), to enable you to take a further pension commencement lump sum and/or to increase your pension income Crystallise new funds as a taxable lump sum, also known as an uncrystallised funds pension lump sum. Please ensure that all relevant sections of this form are fully completed and that there is sufficient cash in your SIPP cash account to pay the benefits requested. Failure to provide relevant information or insufficient cash will delay the payment of benefits. Changing income levels If you are already drawing benefits from your SIPP and simply wish to alter the frequency or amount of pension you are already receiving, or alternatively, wish to receive a one-off pension payment, then please write to us confirming the details. Do not complete this form. Converting to flexi-access drawdown If you are already drawing benefits under capped drawdown and wish to move to flexi-access drawdown, please complete our capped to flexi-access drawdown conversion form. Do not complete this form. Evidence of age To allow us to complete your instructions, we will use age verification systems to confirm your date of birth. If our searches are unable to verify your age, we will request further evidence from you which may include a copy of your birth certificate or your marriage certificate, if applicable. We will need to complete this verification before any benefits can be paid. Alternatively, you can send us a copy of your current signed passport or driving licence, showing your date of birth and full name. Copies MUST be certified by an independent person (not a family member), who must also provide their full name, address and daytime contact telephone number. Please sign and date this form and return it to: The SIT SIPP Halifax Share Dealing SIPP Administration Team AJ Bell Management Limited Trafford House Chester Road Manchester M32 0RS

3 Advice received Please confirm the following by ticking the relevant boxes: I have received advice from a regulated financial adviser on my chosen benefit options Yes No I have received guidance on my chosen benefit options from Pension Wise Yes No Points to consider before taking benefits It is important that you consider and understand the risks associated with the type of benefits you wish to take from your SIPP. Please read the following questions and answer Yes/No as appropriate. Please also read and consider the risk statements which follow each question before completing the rest of this form. Please note that you must complete this section for us to be able to process your benefits. Do you understand the amount of tax you are going to pay when you take money out of your SIPP? Yes No Other than any tax-free lump sum, payments you take from your SIPP are subject to income tax. You may have to pay a significant amount of tax if you make large withdrawals in a short period of time. Are you aware that once money is taken out of your SIPP, it loses a number of tax advantages and limits will apply to what you can pay back in? Yes No Cash and investments held within your pension benefit from significant tax advantages when compared with cash and investments you hold outside pensions. Is the SIPP your main source of income in retirement (excluding the state pension)? Yes No Taking more from your SIPP than the amount by which your investments grow after charges will mean your SIPP falls in value and could run out. This will mean you have to rely on other sources of income for the rest of your retirement. Is it important to you that the income you receive is secure? Yes No The pension you receive from your SIPP is not fixed nor guaranteed for life. If security of income is important to you, then an annuity may be a better option. Are you married or do you have a partner or dependant who might outlive you? Yes No Your SIPP can provide pension and lump sum benefits to others after your death. When thinking about how much to take out, you should consider whether others may be relying on your SIPP after your death. Have you compared the charges you will pay with those that might apply if you chose a different retirement option or pension provider? Yes No The charges you pay will vary between different retirement options and pension providers. It is important to have considered the charges across a range of options before taking benefits. Are you aware that creditors may have less of a call on the money held inside a pension than if the money is taken out? Yes No If you ever experience significant debt problems, any persons you owe money to may have more rights to your funds once they have been taken out of the pension. Do you understand the impact taking money out of a pension may have on any means-tested benefits you may receive? Yes No If you are entitled to means-tested benefits (e.g. pension credit or housing benefit), you should check with benefits agencies whether your entitlement may be affected by taking money out of your pension. Have you been approached by someone encouraging you to take money out of your pension for investment purposes? Yes No Scams exist that can lead to the total loss of your investment. If you have been encouraged to take funds out of your pension to invest, you should make sure you know that it is not a scam. Do you have any health or lifestyle factors that might entitle you to an enhanced annuity? Yes No Your health and lifestyle may mean you are eligible for an annuity offering higher payments. The payments you can take from your SIPP are not enhanced because of health or lifestyle factors.

4 Future pension contributions Once you access your pension benefits, the amount you can contribute to all money purchase pensions each year, including your SIPP, and receive tax relief on those contributions, may be reduced. If you only take one or more of the following types of benefit, you will continue to have an annual allowance of 40,000 pension commencement lump sum purchase a lifetime annuity that cannot decrease in value take income under capped drawdown If you take any of the following types of benefits, your annual allowance will be reduced to 10,000 take taxable income from your fund that is not capped drawdown purchase a lifetime annuity that can decrease in value If you want to make large contributions in the future, you should carefully consider how you access your benefits. I have read and understood all of the above questions and risk statements and confirm that I wish to proceed with my application for benefits (please tick). I have read and understood the benefits guide for The SIT SIPP Yes No I have read and understood the charges and rates for The SIT SIPP Yes No Personal information Please provide the following information about yourself. Title Dr / Mrs / Miss / Ms / Other Surname Forename(s) Permanent residential address Postcode Country Account number Date of birth Start date for benefits Immediate Other This is the date we will use to calculate your benefits. We will write to you separately when benefit payments will commence. Please note: we cannot back date the start date for your benefits.

5 Benefit options Please select how you would like to take your benefits from the following two options, completing the relevant information: 1. Take benefits from all, or only a part, of the uncrystallised funds in your SIPP as drawdown Please choose this option if you wish to take a tax-free lump sum (pension commencement lump sum) now, and use the remainder of the fund to provide an income either now or at a later time. Complete the amount, or percentage, of your SIPP that you wish to take benefits from (select one option only) a) all of my fund b) a set amount of your fund c) a percentage of your fund % This amount, or percentage, must be the total of the amount to be applied to provide a pension and the amount of any pension commencement lump sum linked to that pension. Please do NOT enter only the percentage to be taken as a pension commencement lump sum. Please tick one of the following four options and complete the details as appropriate. 1. Pension commencement lump sum only 2. Pension commencement lump sum and one-off flexi-access drawdown payment Amount of one-off payment: Maximum (whole of fund) or other before tax 3. Pension commencement lump sum and regular flexi-access drawdown You receive a pension commencement lump sum (if applicable) and the remainder of your fund is designated to provide an income by way of flexi-access drawdown. Income required before tax to be paid monthly quarterly half-yearly annually 4. Pension commencement lump sum and capped drawdown This option is only available if you have an existing capped drawdown arrangement in place on 5 April You receive a pension commencement lump sum (if applicable) and the remainder of your fund is designated to provide an income by way of capped drawdown. Maximum income allowed by HMRC under capped drawdown or other before tax to be paid monthly quarterly half-yearly annually 2. Crystallise new funds as a taxable lump sum (uncrystallised funds pension lump sum) All of my uncrystallised fund or or % of my uncrystallised fund. This option is only available if you have sufficient available lifetime allowance. It is not available if you hold enhanced or primary protection together with lump sum protection.

6 Payment details Please provide details of the bank/building society account to which you wish your income and pension commencement lump sum (if any) to be paid. Name of bank/building society Branch address Postcode Account number Sort code Account in the name of Roll number (if applicable) Account type Important notes: If you have received a P45 from your previous employment, please forward this to us with this form and, where permitted, we will use this to apply the correct tax code for your pension. If you do not have a P45, we are legally obliged to use the emergency tax code on a Month 1 basis. We will advise our Tax Office who will in turn contact your Tax Office to confirm your correct tax code. We can only change your tax code if instructed to do so by HMRC. You may wish to contact your Tax Office to expedite the correct tax coding notice. Your pension commencement lump sum payment will be paid via BACS, which will take four working days. You can receive the lump sum more quickly by choosing to make this payment by CHAPS (same day transfer). If you wish to do this, please tick here (there is a one-off charge of 25 + VAT for this). Protection a) Have you registered for enhanced, primary, fixed (2012 or 2014) or individual protection? Yes No If Yes, you must also complete our separate Transitional protection and insufficient lifetime allowance form and send this to us together with your completed benefit form and a copy of your protection certificate from HMRC. b) Do you have a protected pension age? Yes No If Yes, what is the protected pension age? Available lifetime allowance Do you have sufficient unused lifetime allowance (in other words, is your unused lifetime allowance more than the value of the benefits being crystallised under your SIPP)? Yes No If No, you must also complete our separate Transitional protection and insufficient lifetime allowance form and send this to us together with your completed benefit form.

7 Death benefit nomination If you are not withdrawing your entire pension fund, please complete this section to ensure your beneficiaries can receive death benefits in as flexible a way as possible. Our SIPP nomination and expression of wishes guide provides help on completing this section. The nomination below ensures that as wide a range of people as possible are eligible to receive death benefits. Please note that if you are unsure about the implications of making the nomination and related expression of wishes or would like any advice about the effect of doing so, you should consult a financial adviser or other appropriately-qualified professional. The scheme administrator will use your remaining pension fund to provide benefits for your spouse, civil partner, dependents, members of your family, or other nominated beneficiaries. Nomination In the event of my death, I nominate all of my Eligible Benefits Recipients (as defined in the scheme trust deed and rules) as the persons to whom the scheme administrator should consider allocating any death benefits arising under the above arrangements. Expression of Wishes In the event of my death, my wishes are that you consider allocating any death benefits from my SIPP between my Eligible Benefits Recipients as follows: Full name Individual Trust Relationship % Full name Individual Trust Relationship % Full name Individual Trust Relationship % Full name Individual Trust Relationship % Total % Note: If you wish to nominate a trust to receive the death benefits payable from your SIPP, please ensure you provide full details of the trust in the full name section, i.e. The Trustees of the <Name of Trust> established on <date>.

8 Customer s declaration and undertaking I hereby request and consent to the payment of benefits as set out in this form and agree that: a) It is my responsibility to ensure that there is sufficient cash within my SIPP to pay benefits as they fall due. b) The basis used for valuing investments held under my SIPP for benefit crystallisation purposes will be determined by the scheme administrator, taking into account HMRC requirements. In particular, I understand that the value used for some types of investment (e.g. UK quoted stocks and shares) for this purpose may be different to that shown on my valuation statements. I declare that: i) The information contained in this form and any supporting information contained in the Transitional protection and insufficient lifetime allowance form is, to the best of my knowledge and belief, true, complete and not misleading. ii) As a consequence of payment of the pension commencement lump sum requested by this form (if any), the amount of contributions paid by me, or on my behalf, to any registered pension scheme is not, and will not be, significantly greater than it would otherwise have been. iii)i agree that I will indemnify the scheme administrator against any liability to pay any tax or other charges which arise out of the provision of false or misleading information. iv)i understand the risks associated with taking benefits, as set out in the SIT SIPP benefits guide. If you have any doubts whatsoever about which option is most suitable for you then please contact a regulated financial adviser or the Government s Pension Wise guidance service. We cannot provide you with any advice. Customer s name Date Customer s signature

9 The SIT SIPP is marketed by SIT Savings Limited, a wholly-owned subsidiary of The Scottish Investment Trust PLC. SIT Savings Limited is registered in Scotland number SCO Registered Office: 6 Albyn Place, Edinburgh, EH2 4NL. Authorised and regulated by the Financial Conduct Authority. FCA registration number: AJ Bell Management Limited is the Scheme Administrator of The SIT SIPP. AJ Bell Management Limited is registered in England No Registered Office: Trafford House, Chester Road, Manchester M32 0RS. Authorised and regulated by the Financial Conduct Authority and on the FCA register under FCA registration number Sippdeal Trustees Limited is a wholly owned subsidiary of AJ Bell Management Limited, registered in England No Registered Office: Trafford House, Chester Road, Manchester, M32 0RS. Sippdeal Trustees Limited does not conduct any regulated activities, and is, therefore, not regulated. Dealing and stock broking administration services are provided by Halifax Share Dealing Limited. Registered in England and Wales no Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS under registration number A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

10 T H E S C OT T I S H I N V E S T M E N T T R U S T Registered office: 6 Albyn Place, Edinburgh EH2 4NL Telephone: Fax: SIPP administrator: The SIT SIPP Halifax Share Dealing SIPP Administration Team AJ Bell Management Limited Trafford House Chester Road Manchester M32 0RS Helpline: Dealing and stockbroking administration services: The SIT SIPP (HSDL Administration Team) Halifax Share Dealing Limited Lovell Park Road Leeds LS1 1NS Helpline: SIPP 06/15 The SIT SIPP is marketed by SIT Savings Limited, a wholly-owned subsidiary of The Scottish Investment Trust PLC. SIT Savings Limited is registered in Scotland number SCO Registered Office: 6 Albyn Place, Edinburgh, EH2 4NL. Authorised and regulated by the Financial Conduct Authority. FCA registration number: This document was prepared in June It is normally reviewed once per year, so some of the information in it may have changed since it was compiled. If you are in any doubt concerning any of its content, please contact SIT Savings Ltd.

Halifax Share Dealing SIPP

Halifax Share Dealing SIPP Halifax Share Dealing SIPP Benefit form - income drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a lump sum or income drawdown. If you want

More information

Benefi t Form Income Drawdown and Lump Sum Payments. IWeb Share Dealing Self Invested Personal Pension

Benefi t Form Income Drawdown and Lump Sum Payments. IWeb Share Dealing Self Invested Personal Pension Benefi t Form Income Drawdown and Lump Sum Payments IWeb Share Dealing Self Invested Personal Pension Benefi t Form Important tes Please complete this form if you want to access your pension and take benefits

More information

THE SIT SIPP. Self Invested Personal Pension. Benefit Form annuity purchase discharge form

THE SIT SIPP. Self Invested Personal Pension. Benefit Form annuity purchase discharge form THE SIT SIPP Self Invested Personal Pension Benefit Form annuity purchase discharge form The SIT SIPP Benefit Form - annuity purchase discharge form This benefit form must be completed if you wish to purchase

More information

SIPP benefit form drawdown and lump sum payments

SIPP benefit form drawdown and lump sum payments Stockbrokers SIPP benefit form drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a lump sum or income drawdown. If you want to take an annuity

More information

SIPP benefit form drawdown and lump sum payments

SIPP benefit form drawdown and lump sum payments TD Direct Investing SIPP benefit form drawdown and lump sum payments SIPP benefit form drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a

More information

SIPP benefit form income drawdown and lump sum payments

SIPP benefit form income drawdown and lump sum payments SIPP ISA Dealing Junior ISA SIPP benefit form income drawdown and lump sum payments Please complete this form if you want to access your pension and take income as lump sums or income drawdown. If you

More information

Benefi t Form annuity purchase discharge. Bank of Scotland Share Dealing Self Invested Personal Pension

Benefi t Form annuity purchase discharge. Bank of Scotland Share Dealing Self Invested Personal Pension Benefi t Form annuity purchase discharge Bank of Scotland Share Dealing Self Invested Personal Pension Benefi t Form This benefit form must be completed if you wish to purchase a lifetime annuity and would

More information

Halifax Share Dealing SIPP

Halifax Share Dealing SIPP Halifax Share Dealing SIPP Benefit form - annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Management Limited to pay

More information

SIPP benefit form annuity purchase discharge form

SIPP benefit form annuity purchase discharge form Stockbrokers SIPP benefit form annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Management Limited to pay you a tax

More information

Please use BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate.

Please use BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate. TD Direct Investing SIPP benefit form - annuity purchase discharge form SIPP benefit form - annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity

More information

SIPP benefit form annuity

SIPP benefit form annuity SIPP ISA Dealing Junior ISA SIPP benefit form annuity This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Youinvest to pay you a tax free lump sum. Please

More information

Small Self Administered Scheme. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS)

Small Self Administered Scheme. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Small Self Administered Scheme Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice

More information

Self Invested Personal Pension. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS)

Self Invested Personal Pension. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Self Invested Personal Pension Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice

More information

Self Invested Personal Pension. Benefit Form Annuity Purchase

Self Invested Personal Pension. Benefit Form Annuity Purchase Self Invested Personal Pension Benefit Form Annuity Purchase Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice from a regulated fi nancial adviser

More information

The SIT SIPP. Self Invested Personal Pension. Key Features

The SIT SIPP. Self Invested Personal Pension. Key Features The SIT SIPP Self Invested Personal Pension Key Features The SIT SIPP Key Features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Management Limited,

More information

Additional Contribution Form. IWeb Share Dealing Self Invested Personal Pension

Additional Contribution Form. IWeb Share Dealing Self Invested Personal Pension Additional Contribution Form IWeb Share Dealing Self Invested Personal Pension Additional Contribution Form This is an application form to pay an additional one-off contribution or establish a regular

More information

SIPP ISA Dealing Junior ISA SIPP benefi ts guide

SIPP ISA Dealing Junior ISA SIPP benefi ts guide SIPP ISA Dealing Junior ISA SIPP benefits guide Contents Introduction SIPP benefits - the basics Annuity, income drawdown and taxable lump sums the commitments and risks 3 Your benefits options Lump sums

More information

Transfer Form. IWeb Share Dealing Self Invested Personal Pension

Transfer Form. IWeb Share Dealing Self Invested Personal Pension Transfer Form IWeb Share Dealing Self Invested Personal Pension Transfer Form Transferring Member Instructions This form is an application to transfer benefits from another registered pension scheme into

More information

Death Benefit Request Form

Death Benefit Request Form Death Benefit Request Form For commencing benefits to a beneficiary when a member has died. This form should be completed and signed by the nominated beneficiary. We require a separate form to be completed

More information

SIPP Flexi Access Drawdown Form

SIPP Flexi Access Drawdown Form SIPP Flexi Access Drawdown Form FLEXI-ACCESS DRAWDOWN FORM Please complete this form if you wish to draw Pension Commencement Lump Sum and access your benefits via Flexi-Access Drawdown. Please complete

More information

Benefits guide for the AJ Bell Investcentre SIPP

Benefits guide for the AJ Bell Investcentre SIPP SIPP ISA GIA Benefits guide for the AJ Bell Investcentre SIPP SIPP ISA GIA Contents Introduction 3 SIPP benefits - the basics 3 Annuity, income drawdown and taxable lump sums - the commitments and risks

More information

Other u please specify. National Insurance number

Other u please specify. National Insurance number Application reference number For office use only Benefit Crystallisation Event Request applying for an annuity with another provider *SFBCY0400F* For use with the Collective Retirement Account (CRA) For

More information

Pension benefits guide How you can use your pension pot to suit your needs

Pension benefits guide How you can use your pension pot to suit your needs Pension benefits guide How you can use your pension pot to suit your needs axawealth.co.uk With the flexibility you have to take benefits through your pension, it can be difficult to know what s best for

More information

Annuity Open Market Option Request

Annuity Open Market Option Request SIPP Annuity Open Market Option Request JHAY0820 Application Guide This form is to be used when you wish to exercise the Open Market Option to purchase a lifetime annuity. James Hay Partnership will pay

More information

Contents. Aims, commitments and risks. Questions and answers. Contributions. Transfers. Investments

Contents. Aims, commitments and risks. Questions and answers. Contributions. Transfers. Investments SIPP ISA Dealing Junior ISA SIPP key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Management Limited, to give you this important information

More information

Transfer application form

Transfer application form For customers Guaranteed Pension Annuity (tax-free cash) Transfer application form Illustration number Agent number / Agent phone number Agent fax number Agent email address Page 1 of 12 Application checklist

More information

ANNUITY OPEN MARKET OPTION REQUEST

ANNUITY OPEN MARKET OPTION REQUEST ANNUITY OPEN MARKET OPTION REQUEST Please complete in block capitals and in black ink, ticking boxes where appropriate and return it to: Astute Trustee Services Limited, 45 Berry Lane, Longridge, Preston,

More information

THE GHC FOUNDATION SIPP

THE GHC FOUNDATION SIPP THE GHC FOUNDATION SIPP APPLICATION FORM GHC Foundation SIPP is operated by Intelligent Money, authorised and regulated by the Financial Conduct Authority FCA number 219473 and registered in England and

More information

BENEFIT PAYMENT FORM For Clients of Financial Advisers

BENEFIT PAYMENT FORM For Clients of Financial Advisers BENEFIT PAYMENT FORM For Clients of Financial Advisers Every section must be completed. This form will be used to establish your Pension Benefits on an advised basis, i.e. with a regulated financial adviser

More information

CanRetire. Application new plan(s) (for single contributions and transfers only) Pension Investment Plan. Flexible Drawdown Plan

CanRetire. Application new plan(s) (for single contributions and transfers only) Pension Investment Plan. Flexible Drawdown Plan CanRetire Application new plan(s) (for single contributions and transfers only) Please enter the Personal Example reference number for your chosen product choice(s) FTIP Pension Investment Plan Flexible

More information

Uncrystallised Funds Pension Lump Sum Form

Uncrystallised Funds Pension Lump Sum Form Uncrystallised Funds Pension Lump Sum Form SIPP form reference H199 Quick actions: ou should complete this form if you want to take an Uncrystallised Funds Pension Lump Sum. To convert a capped drawdown

More information

Simple Investment SIPP Application Form

Simple Investment SIPP Application Form Simple Investment SIPP Application Form To London & Colonial Services Limited (London & Colonial): I hereby apply for a London & Colonial Simple Investment SIPP contract on the basis of the following information:

More information

PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES

PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES IMPORTANT INFORMATION Please read this section carefully before completing this application form. This form can only be used where you are taking

More information

New City Investment Manager (NCIM) ISA Application Form

New City Investment Manager (NCIM) ISA Application Form New City Investment Manager (NCIM) ISA Application Form SECTION 1 Personal Details This application will relate to the Tax Year commencing 6 April 20 and to any subsequent consecutive tax years in which

More information

pension income plus pension income plus annuity Annuity

pension income plus pension income plus annuity Annuity No ID or age evidence required pension income plus pension income plus annuity Annuity Application Form For Financial Adviser completion only Adviser Financial Services Register number Adviser email address

More information

PROOF FOR INTERNAL USE ONLY. Open market option instruction. For customers and scheme trustees

PROOF FOR INTERNAL USE ONLY. Open market option instruction. For customers and scheme trustees For customers and scheme trustees Open market option instruction Please read these notes before filling in this instruction About this instruction Only complete this instruction if you want to use the

More information

Key Features. of the Suffolk Life SIPP (Deed Poll Scheme)

Key Features. of the Suffolk Life SIPP (Deed Poll Scheme) Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable

More information

Retirement Account. Application Form (Where no Flexible Account is required) No ID or age evidence required. For Financial Adviser completion only

Retirement Account. Application Form (Where no Flexible Account is required) No ID or age evidence required. For Financial Adviser completion only This form is only suitable when applying for two or more plans. If applying for one plan, please use the standalone form for that plan only. No ID or age evidence required Retirement Account Application

More information

Sippchoice Bespoke SIPP

Sippchoice Bespoke SIPP Sippchoice Bespoke SIPP Application Form (from 1 October 2015) Please indicate the unique reference number shown on the Key Features Illustration that you received with this application. Failure to complete

More information

Small lump sum claim form. Individual pension plan

Small lump sum claim form. Individual pension plan Small lump sum claim form Individual pension plan Your guide to small lump sum payments You are entitled to free guidance about your retirement options. The Government has set up a free guidance service

More information

Data Capture Form. for the SmartSIPP

Data Capture Form. for the SmartSIPP Data Capture Form for the SmartSIPP This form is for your internal use only. Please do not return it to us. You will need to: complete the online SmartSIPP application return the signed application form

More information

1.5 Do you have a National Insurance number? You can find this on a payslip or a letter from HMRC or DWP. Mobile

1.5 Do you have a National Insurance number? You can find this on a payslip or a letter from HMRC or DWP. Mobile The FundsNetwork Pension Uncrystallised Funds Pension Lump Sum withdrawal form Please complete the form in BLOCK CAPITALS using black ink. You should use this form to take an Uncrystallised Funds Pension

More information

Benefit crystallisation event application form (capped drawdown)

Benefit crystallisation event application form (capped drawdown) For customers Benefit crystallisation event application form (capped drawdown) This form should only be used if you re making an additional designation into an existing capped drawdown account or choosing

More information

Junior Stocks & Shares ISA

Junior Stocks & Shares ISA Junior Stocks & Shares ISA All questions must be completed Please complete in block capitals and black ink. I apply to open a Junior Stocks & Shares ISA. Please note: You cannot apply for a Junior Stocks

More information

Junior Stocks & Shares ISA

Junior Stocks & Shares ISA Junior Stocks & Shares ISA All questions must be completed Please complete in block capitals and black ink. I apply to open a Junior Stocks & Shares ISA. Please note: You cannot apply for a Junior Stocks

More information

Uncrystallised Funds Pension Lump Sum Form Guidance

Uncrystallised Funds Pension Lump Sum Form Guidance Uncrystallised Funds Pension Lump Sum Form Guidance SIPP form reference H199G Section A - Your contact details If you are completing this form as a supplement to a new application, leave this section blank.

More information

Compulsory Purchase Annuity

Compulsory Purchase Annuity Application form Who this form is for 0615 This form is for people who want to purchase a pension from Standard Life Filling in this form Before completing this form read the Key Features Document (CPA17)

More information

SELECT SIPP. Taking pension benefits guide

SELECT SIPP. Taking pension benefits guide SELECT SIPP Taking pension benefits guide Please read this guide in conjunction with the Alliance Trust Savings Handbook and the appropriate Key Features documents. Alliance Trust Savings does not give

More information

APPLICATION FORM. / / / PENSION ANNUITY. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL

APPLICATION FORM. / / / PENSION ANNUITY. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL PENSION ANNUITY APPLICATION FORM. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL We will already have sent you a quote(s), illustrating the

More information

(Buyout and occupational pension schemes)

(Buyout and occupational pension schemes) For customers and scheme trustees Instruction to buy a pension from Aegon (Buyout and occupational pension schemes) About this form This is your instruction to buy a pension from Aegon. Aegon is a brand

More information

TD Direct Investing A Guide to SIPPs

TD Direct Investing A Guide to SIPPs TD Direct Investing A Guide to SIPPs Introduction If you are considering investing for retirement, there are a number of ways to approach it. One way is to embark on the do it yourself (DIY) self investment

More information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

The Retirement Account Application form

The Retirement Account Application form The Retirement Account Application form You can use this application if: You have not applied for any lifetime allowance protection from HMRC, for example, fixed, individual, primary or enhanced protection

More information

AXA Wealth. Uncrystallised funds pension lump sum benefit options. 1 of 5. When to use this form. Have you received advice or guidance?

AXA Wealth. Uncrystallised funds pension lump sum benefit options. 1 of 5. When to use this form. Have you received advice or guidance? AXA Wealth Uncrystallised funds pension lump sum benefit options When to use this form Please complete this form to confirm how you would like to take an uncrystallised funds pension lump sum if you have

More information

April 2015: Forthcoming Pension Changes. Retirement options for money purchase pension schemes (including SSAS).

April 2015: Forthcoming Pension Changes. Retirement options for money purchase pension schemes (including SSAS). April 2015: Forthcoming Pension Changes Significant changes to pension regulations are being introduced on the 6 th April 2015. The legislation will be covered in the Taxation of Pensions Bill 2014 and

More information

For customers Aegon buyout plan with protected tax-free cash drawdown pension option

For customers Aegon buyout plan with protected tax-free cash drawdown pension option For customers Aegon buyout plan with protected tax-free cash drawdown pension option Please read these notes before filling in this form About this form Words in bold are defined terms that we explain

More information

Investment trust application forms

Investment trust application forms Investment trust application forms 2015/2016 Form A Application for a 2015/2016 tax year stocks and shares ISA Form B Application to transfer an existing stocks and shares ISA Form C Application to transfer

More information

THE GREYFRIARS PREFERRED RETIREMENT ACCOUNT (GPRA) A SELF-INVESTED PERSONAL PENSION (SIPP) KEY FEATURES DOCUMENT

THE GREYFRIARS PREFERRED RETIREMENT ACCOUNT (GPRA) A SELF-INVESTED PERSONAL PENSION (SIPP) KEY FEATURES DOCUMENT 1. Introduction: Before you proceed with your SIPP we want you to be sure that you know what the decision will mean for you; what the plan is, how it works and what the risks are. This key features document

More information

SSAS SMALL SELF ADMINISTERED PENSION SCHEME

SSAS SMALL SELF ADMINISTERED PENSION SCHEME SSAS SMALL SELF ADMINISTERED PENSION SCHEME DEATH BENEFIT OPTIONS www.investacc.co.uk/ssas Introduction This is a basic guide to the options available on death of a member of an InvestAcc SSAS. It is not

More information

A guide to pension tax

A guide to pension tax A guide to pension tax Footer info Zurich Blue 2 or White Contents About this guide 3 Tax treatment of payments 4 Eligibility to receive tax relief on payments Tax relief on payments made to pension schemes

More information

Group Flexible Retirement Plan Key features

Group Flexible Retirement Plan Key features Group Flexible Retirement Plan Key features This is an important document. Please read it and keep it for future reference. Key features document: Pages 1 21 Terms and conditions for joining: Pages 22

More information

Pension Annuity Application Form

Pension Annuity Application Form Pension Annuity Application Form Page 1 Pension Annuity Application Form About this Application Form This Form is an application for a pension annuity plan with Just Retirement. In return for your pension

More information

Application Form. Before you complete this form. For Intermediary completion only. No ID or age evidence required

Application Form. Before you complete this form. For Intermediary completion only. No ID or age evidence required No ID or age evidence required PENSION Pension Annuity Annuity Application Form Before you complete this form n n Please read the key features document, as it contains important information about your

More information

Share Dealing. A guide to our services

Share Dealing. A guide to our services Share Dealing A guide to our services How can Bank of Scotland Share Dealing help you? If you want to buy and sell stock market investments in the UK, European or U.S. markets, our share dealing service

More information

Key Features of the Ascentric Pension Account (SIPP)

Key Features of the Ascentric Pension Account (SIPP) Key Features of the Ascentric Pension Account (SIPP) Introduction The Financial Conduct Authority is a financial services regulator. It requires us, Investment Funds Direct Limited (IFDL), to give you

More information

If you are a citizen of any other country, please provide country name below:

If you are a citizen of any other country, please provide country name below: Valid from March 2016 Please complete this form in BLOCK LETTERS and black ink, and return it to: FREEPOST JP MORGAN AM. An address or a stamp is not required to be added to the envelope. If you have any

More information

APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S)

APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S) APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S) Please add the full reference for the annuity you are accepting. Please use black ink and

More information

Open Market Option Application Form

Open Market Option Application Form Guaranteed Pension Annuity Open Market Option Application Form 1. QUOTE DETAILS Quote reference Official use only Application Number 2. YOUR PERSONAL DETAILS (THE ANNUITANT) Full name including title (Please

More information

Just Retirement Fixed Term Annuity Application Form

Just Retirement Fixed Term Annuity Application Form Just Retirement Fixed Term Annuity Application Form You should make sure you ve read the Key Features Document and the Conditions of the Just Retirement Fixed Term Annuity before you apply. About this

More information

ISA TRANSFER APPLICATION FORM.

ISA TRANSFER APPLICATION FORM. LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE SELF DIRECTED LGFS/LGN TAX YEAR 2015/2016 ISA TRANSFER APPLICATION FORM. Use this form to transfer an existing stocks and shares or cash ISA from another ISA

More information

Key features. For customers One Retirement

Key features. For customers One Retirement For customers One Retirement Key features Contents Its aims 02 Your commitment 02 Risks 03 Questions and answers 04 Secure retirement income (SRI) 08 Other information 11 How to contact us 12 The Financial

More information

Your guide to filling in the form

Your guide to filling in the form LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE SELF DIRECTED NBS ONLINE INVESTMENTS TAX YEAR 2015/2016 ISA TRANSFER APPLICATION FORM. Complete and return this form to transfer an existing stocks and shares

More information

What is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3

What is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3 SIPP ISA Dealing Junior ISA ISA key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Securities Limited, to give you this important information

More information

PERSONAL PENSION (TOP UP PLAN) APPLICATION TO INCREASE CONTRIBUTIONS FOR OFFICE USE ONLY. Agency Number

PERSONAL PENSION (TOP UP PLAN) APPLICATION TO INCREASE CONTRIBUTIONS FOR OFFICE USE ONLY. Agency Number PERSONAL PENSION (TOP UP PLAN) APPLICATION TO INCREASE CONTRIBUTIONS Agency Number FOR OFFICE USE ONLY Arranged by: Application to increase contributions Did your adviser give you advice in respect of

More information

FTSE 100 Tracker Fund ISA Application Provided by RBS Collective Investment Funds Ltd

FTSE 100 Tracker Fund ISA Application Provided by RBS Collective Investment Funds Ltd FTSE 100 Tracker Fund ISA Application Provided by RBS Collective Investment Funds Ltd p Your information For details of how we and others will use your information and how to give your consent, please

More information

Expert Managed Solution ISA Transfer Form

Expert Managed Solution ISA Transfer Form Expert Managed Solution ISA Transfer Form How we will use your information Before continuing with this application, please read the information below which explains how we and others will use your personal

More information

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions Initial Charge waived 0% ISA Class R GBP Application forms 2015/2016 Terms and conditions ISA terms and conditions Definitions Account Account holding your Investments in an ISA. Additional Permitted Subscription

More information

Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme

Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme Important information you need to read The Financial Conduct Authority is a financial services regulator. It requires us, Prudential,

More information

Key Features Document

Key Features Document Keyfacts Key Features Document Transact Section 32 Buy Out Bond IntegraLife UK Limited A firm authorised and by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and

More information

Accessing Your Pension

Accessing Your Pension CLIENT FACTSHEET Accessing Your Pension This fact sheet is designed to give an overview of the ways of taking benefits from your SIPP. Although this fact sheet concentrates on income drawdown and uncrystallised

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

BENEFITS. The remainder of your fund is used to provide a pension, in one of 2 ways:

BENEFITS. The remainder of your fund is used to provide a pension, in one of 2 ways: BENEFITS Online links to further information are shown in underlined text below. Contents 1. Your own benefits 2. Benefits on death 3. Issues to consider 4. Other points These notes outline the benefits

More information

Key Features of the Prudential Personal Pension Scheme

Key Features of the Prudential Personal Pension Scheme Key Features of the Prudential Personal Pension Scheme Important information you need to read The Financial Conduct Authority is the independent financial services regulator. It requires us, Prudential,

More information

Liberty Option SIPP Direct Client Application

Liberty Option SIPP Direct Client Application Liberty Option SIPP Direct Client Application Notes & guidance to completeing the SIPP member application MEMBER DETAILS These details must match up exactly with the Anti-Money Laundering documents that

More information

Active Money Personal Pension Key Features

Active Money Personal Pension Key Features Active Money Personal Pension Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.

More information

Pension Trader Account application

Pension Trader Account application Pension Trader Account application This is an application form to open a Pension Trader Account. Please read this application form in conjunction with your Barclays Stockbrokers Terms of Use and the Terms

More information

SSAS application form

SSAS application form SSAS application form By completing this form together with the Trust Deed you agree to appoint Bespoke Pension Management as Scheme Practitioner to your SSAS Scheme. You understand that we will assume

More information

Important information. Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme

Important information. Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme Important information Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme > Contents About this booklet 4 About the Teachers AVC Scheme 5 Its aim 5 Your commitment 5 Risks 6 Questions

More information

Key features of the Zurich Retirement Account

Key features of the Zurich Retirement Account Key features of the Zurich Retirement Account Helping you decide This important document gives you a summary of the Zurich Retirement Account. Please read this before you decide to invest, and keep it

More information

Your choices at retirement and the Open Market Option (OMO)

Your choices at retirement and the Open Market Option (OMO) CLIENT FACTSHEET Your choices at retirement and the Open Market Option (OMO) This fact sheet focuses on how you can use your SIPP fund to buy an annuity in the open market to provide an income in retirement

More information

Investment Funds ISA Application Form

Investment Funds ISA Application Form Investment Funds ISA Application Form Please select one of the following: Lump sum Regular saver investment Combined lump sum and regular saver investment Before completing this application form please

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

Pension Trader Account for SIPP application

Pension Trader Account for SIPP application Pension Trader Account for SIPP application This is an application form to open a Pension Trader Account for SIPP. Please read this application form in conjunction with your Pension Trader Account for

More information

Online Investments. Our Fund Range and Investments

Online Investments. Our Fund Range and Investments Online Investments Our Fund Range and Investments Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

Information about tax relief, limits and your pension

Information about tax relief, limits and your pension Information about tax relief, limits and your pension Published: August 2015 Laws and tax rules have changed in 2015. The information here is based on our understanding in August 2015. Your personal circumstances

More information

2013/2014 TAX YEAR NEW SUBSCRIPTIONS. Applications must be received by 15 November 2013.

2013/2014 TAX YEAR NEW SUBSCRIPTIONS. Applications must be received by 15 November 2013. Legal & General Defined Return Plan 3 NEW ISA AND/OR DIRECT INVESTMENT APPLICATION FORM. Applications must be received by 15 November 2013. 2013/2014 TAX YEAR NEW SUBSCRIPTIONS FOR OFFICE USE Client Number

More information

Transfer Authority and Transfer History Form

Transfer Authority and Transfer History Form Transfer Authority and Transfer History Form STOCKS AND SHARES INDIVIDUAL SAVINGS ACCOUNTS Version 6 2 TRANSFER AUTHORITY ISAs Instruction to the ISA holder Please complete all sections excluding page

More information

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form HGCRPG BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing

More information

Local Government Pension Scheme Hampshire Pension Fund Retirement declaration form Explanatory notes

Local Government Pension Scheme Hampshire Pension Fund Retirement declaration form Explanatory notes Local Government Pension Scheme Hampshire Pension Fund Retirement declaration form Explanatory notes Please read these notes before completing the enclosed form. What is the form about? You need to provide

More information

Stocks and Shares ISA. Application form 2015/16

Stocks and Shares ISA. Application form 2015/16 Stocks and Shares ISA Application form 2015/16 10057 Stocks and Shares ISA Application form 2015/16 You can also apply for a Stocks and Shares ISA online at www.alliancetrustsavings.co.uk/isa This form

More information