The Scheme's flexible structure means that when you join the Scheme you can choose a contribution level that suits you - starting from 2% of your basic salary. Generally, higher contributions lead to higher benefits at retirement.
Before deciding how much to contribute to your pension, why not check out our on-line HBOS Pension Planner? It gives at a glance information on Scheme benefits and the added benefits you can get from HBOS contributions and tax breaks.
If your circumstances change after joining the Scheme, you can change your contribution level.
How To Change Your Contributions
If your circumstances change and you want to change your contribution level, contact $Group Pensions.
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