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Our Pension products

Which Standard Life pension is right for you?
And when you retire, how can you make the most of your income?
Check out our products below.

What is a Buy Out Bond?

A Buy Out Bond (also known as a personal retirement bond) is a policy where you can transfer your pension fund if you leave a company pension scheme or if the pension scheme is being shut down. The trustees set up the buy out bond for you and put you in control, so they don't have to be involved any more.

 

Synergy PRSA

Our Synergy PRSA gives you a choice of investment options. As you move through your working life, your PRSA moves with you so that you can keep track of your investments. And you can stop, restart and change your contributions at any time. 

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Synergy Buy Out Bond

Transferring your existing pension to a Synergy Buy Out Bond helps you keep track of your pension investments.

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Synergy Executive Pension

If you're a proprietary director* or an employee, a Synergy Executive Pension could be for you.  Your company invests money on your behalf, and you can pay into it too.

It's a way to minimize tax for both you and your company.

*Proprietary director = owning or controlling 5% or more of a company's shares

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Synergy Personal Pension

If you are self-employed or in a job where you don't have a company
pension, a Synergy Personal Pension could be for you.
Our Synergy Personal Pension allows you to choose where you invest your money. And you can stop, restart and change your contributions at any time.

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Annuity

An annuity will give you a guaranteed income for your lifetime. The amount you receive is based on age, gender and the options you choose and is treated as income and taxed under the PAYE system.

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Synergy Approved retirement funds (ARF)

A Synergy ARF allows you to control your retirement income and keeps your retirement fund invested. It's a flexible way for you to manage your fund and make your own investment choices.

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


Warning: This investment may be affected by changes in currency exchange rates


Warning: If you invest in this product you may lose some or all of the money you invest


Warning: If you invest in a pension product you will not have any access to your money until you retire