The Winterthur Executive Pension

A pension scheme is one of the most important benefits an employer can offer its employees. 

The Winterthur Executive Pension offers your client and their employer the benefits of a transparent flexible pension product with wide investment choice, payment flexibility and control over how and when they take their benefits at retirement, subject to HM Revenue & Customs (HMRC) rules.

The size of their pension fund and the benefits it provides in retirement will partly depend on the investments they choose. When deciding where to invest your client should bear in mind that the value of funds can go down as well as up and that they may not get back the full amount invested.

Contribution flexibility
We do not impose a minimum contribution limit so your client and their employer can choose how much to invest, subject to any contributions your client makes being tax relievable.

Your client and their employer can make single or regular contributions and stop, increase, or decrease payments without penalty.

Investment flexibility
Both executive pensions allow your client to invest in the Tailored Selection and the Elite Fund of Funds Range. The Self-invested Executive Pension also offers access to a broader range of permitted investments.

It is simple to switch between plans, so your client can select the most appropriate level of investment sophistication for their retirement objectives.

Retirement flexibility
Winterthur has a range of options providing your client with flexibility over how and when they take their benefits.

Your client does not need to decide how they wish to take their benefits until they are ready to take them, subject to HMRC rules.

Your client cannot access their benefits until age 50 (age 55 if benefits haven't been taken by 6 April 2010).

Transparency
Clear and transparent charging structures, with no penalties if your clients choose to vary contributions, retire early or transfer to another provider, although they may incur charges from the receiving scheme if they transfer.

Want to know more?

For more information please log in to our dedicated Winterthur Adviser Extranet or talk to your Business Development Manager. You could also take a look at our product key features and product literature which is available on request.