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Personal Retirement Bonds

TAKE YOUR OLD PENSION WITH YOU

A Personal Retirement Bond (PRB) — sometimes called a buy-out bond — is a personal contract that receives a transfer from a former employer's pension scheme, giving you direct control over how that money is invested until retirement.

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Scope

We can help you with

Transfers from old employer schemes Winding-up scheme transfers Investment strategy for your PRB Charges comparison across providers Early retirement options from 50 Retirement planning at maturity

What we do

  • Track down and value benefits in former employers' schemes.
  • Explain your options: leave, transfer to a PRB, or move to your new scheme.
  • Compare PRB providers on charges and fund choice.
  • Manage the transfer paperwork with the scheme trustees.
  • Review your PRB investment strategy as retirement approaches.

Why book a personal retirement bonds?

When you leave a job, your pension usually stays behind in the old scheme — subject to its rules, its trustees and its investment decisions. A PRB puts that money into a contract in your own name, invested the way you choose.

PRBs can also offer flexibility at retirement, including access from age 50 in qualifying circumstances. We'll help you weigh a PRB against leaving benefits where they are or transferring to a new employer's scheme.

Good to know

Personal Retirement Bonds FAQs

Control and visibility: you choose the provider, funds and strategy, rather than relying on a former employer's scheme — and you deal with your own advisor.
In qualifying circumstances a PRB can be accessed from age 50 — earlier than many alternatives. We'll confirm what applies to your benefits.
Providers differ on allocation rates and annual charges. We compare the market so you keep more of your fund.
Sometimes — it depends on the schemes involved. We'll compare both routes before you decide.

Warning: Past performance is not a reliable guide to future performance.

Warning: The value of your investment may go down as well as up.

Warning: If you invest in these products you may lose some or all of the money you invest.

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