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. As with any investment, your capital is at risk. This means that your investments may go down as well as up and you may get back less than you invest.
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.
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 Investment Service is determined by our current banking partner/s. We may retain a proportion of the interest we receive to cover our costs of administration.
For further information on interest paid on any money held in accounts please visit Embark Group
Where interest is being earned it is accrued daily by the Investment Service 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 the Investment Service, 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 the Investment Service, increasing their cash balance. The corresponding cash balance is paid into the client bank account on the same day.