Personal pension

The HUB Financial Solutions Personal Pension offers a range of investment funds with different levels of risk, and lets you access your funds to provide an income or to take one-off withdrawals when you need them.

Take a look below for more information about the plan and the investment funds for the advised and non-advised product literature.


Literature for Advised customers

This is the product information for customers who received financial advice when opening their HUB Financial Solutions Personal Pension.

Literature for non-advised customers

This is the product information for customers who did not receive financial advice when opening their HUB Financial Solutions Personal Pension.

Flexible Pension Plan transfer

This is the product information for customers who transferred from the Just Group Flexible Pension Plan (FPP) to the HUB Financial Solutions Personal Pension.

Using drawdown

Drawdown is a flexible product that enables you to draw an income while your pension remains invested. We can help you discover if drawdown is right for you.

Tax-free cash

Usually up to 25% of your pension savings can be taken tax-free. Talk to us to find out what’s possible for you.

Drawdown calculator

Thinking about taking a non-guaranteed income in retirement? This tool can show you how long your pension will last, and help you make an informed decision about your spending.

Interest paid

The interest paid on any money held in Accounts on the Embark platform is determined by the current banking partner/s. We may retain a proportion of the interest we receive to cover our costs of administration.

From 12 May 2020 due to the decrease in the Bank of England rates our current banking partner (Metrobank) will reduce the amount of interest payable on these accounts to 0%.

For operational reasons this rate will be applied to any money held in Accounts on the Embark platform from 24 April 2020.

Up to 23 April 2020, any money held in Accounts on the Embark platform will receive interest payable at 0.55% pa.

From 24 April 2020, any money held in Accounts on the Embark platform will not receive any interest.

Interest is accrued daily by the platform based on the rate that we define and calculated against the clients cash holdings that day. On the first of each month, the total of these accruals for all days in the prior month is applied to the clients account on platform, increasing their cash balance. The corresponding cash balance is paid into the client bank account on the same day.

If a client transfers out of their scheme mid-month, the total of interest accrued up to that day is applied to the clients account on platform, increasing their cash balance. The corresponding cash balance is paid into the client bank account on the same day.