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Individual stakeholder plan  
 

We call ours the FutureProof Individual Stakeholder Plan, and it has similar features to our FutureProof Individual Pension Plan. It’s a straightforward, low-cost way of saving for your retirement. And, in line with the Government standards set for stakeholder pensions, the charges are low.

So, how is this plan different to the FutureProof Individual Pension Plan?
It has a lower minimum initial contribution of just £20
The maximum management charge is 1.5% a year for the first 10 years. Thereafter, the maximum charge is 1% a year.

So, what are the other features?
You can start it with a lump sum or with regular contributions
You can arrange for your contributions to increase automatically
You can stop, start, change or suspend your contributions at any time without charge. This may affect the value of your fund when you take your benefits
You have access to a wide range of investments linked to the performance of stocks and shares
100% of your contributions is always invested in the fund.
The value of the investment can go down as well as up as a result of market movements. You may get back less than you invested.

As a rule, you should pay as much as you can afford into a pension, and the sooner you start the better. For more information about this plan, please speak to your financial adviser.


Open quotes Important note

This information is based on our understanding of UK law and HM Revenue & Customs practice. These are subject to change in the future.

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Issued by Clerical Medical Investment Group Limited. Registered Office 33 Old Broad Street, London EC2N 1HZ. Registered in England and Wales, Registered No. 3196171. Part of the HBOS Group. Clerical Medical Investment Group Limited is authorised and regulated by the Financial Services Authority. These pages are intended for UK residents only. © Copyright Clerical Medical Investment Group Limited 2005.