Deferred Pensions
Impartial advice on deferred pensions...
Deferred pensions is a term given to those members of occupational schemes who no longer work for that particular employer.
Many people use the term “frozen pensions”, but of course the pensions are not frozen at all and will continue benefit from investment returns or increases in “notional salary” until retirement.
Many thousands of people have one or more deferred pension and more often than not, these are forgotten about until retirement.
However, it is just as important to review these as it is your current pension to ensure that the types of schemes and, if appropriate, the types of investments, continue to meet your needs.
The Fair Investment Pensions Service may be able to help you. 
You will be put in touch with a pensions adviser who will be able to:-
- Review your deferred pensions and advise on their continued viability.
- Recommend any action appropriate to ensure that your pensions portfolio continues to be most suitable for you.
- Analyse your overall circumstances and objectives
- Devise an investment strategy which best meets your investment objectives in retirement
If you think that the Fair Investment Pensions Service is right for you, click on the link for a no obligation chat to an impartial pensions specialist.
| Barclays Defined Returns Plan |  | Minimum Pension Investment £3,600 | |
| This capital protected plan has a choice of investment terms of 6 years offering a maximum return of 44%. Can be used for SIPP and SSAS pension investment. |
**Guaranteed gross income.
Disclaimer
Please bear in mind that:
- The above investment plans are designed as medium to long term investments.
- Past performance of the FTSE 100 should not be seen as an indication of future performance.
- The FTSE 100 Index measures only the capital value of the shares in the Index and no allowance is made for dividends paid by the companies in the Index.
- If you redeem a structured investment plan before the end of the term, you may get back less than the amount you originally invested. The value of the plan will be determined by the price at which the Investments can actually be sold on the relevant dealing date.
- The list of investment plans provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on an “execution only” basis.
- Full details of the funds, including investment performance statistics and risk profile will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
- The levels and bases of taxation and reliefs from taxation can change at any time and the value and availability of any tax reliefs depends on your individual circumstances. Any favourable tax treatment of SIPPs and SSASs may not be maintained in the future and is subject to changes in legislation.
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