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How the Scheme Works

How the Scheme works menu

HBOS Pension Planner

Benefits of the Scheme

Benefits when you retire

A tax-free lump sum

Free life assurance

Ill health retirement

Benefits when you die

Investments

Investing for your future

Choosing your investments

Investment Self Assessment

Changing your investments

Investment Guide

Statement of Investment Principles

Fund Fact Sheets

Lifestyle Funds

Alternative Assets

Making Contributions

Your contributions

How much should I save?

How much will I get?

HBOS Pension Planner

Change your contributions

Joining the Scheme

Pensions: why bother?

How the Scheme works

Joining the Scheme

Quick Changes

Change your contributions

Change your nomination

Change your investments

Transfer into the Scheme

What Happens If

I Want to Leave The Scheme

Job Changes Within HBOS

I Relinquish My Role

Change in Working Hours

Paternity and Adoption

Long Term Ill Health

I Have a Windfall

Guides

Scheme Investment Guide

Contracting Out Guide

Forms

Application Form

Nomination Form

Investment Choice Form

Transfer-in Enquiry Form

HBOS Planning Retirement Policy

Application for Retirement

Annual Reports

Annual Report 2007

Annual Report 2006

Annual Report 2005

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