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Can I get a valuation of my pension?

Yes, simply log in to your online account and your pension’s value will appear in the overview.

How do I change my contact or address details?

Simply log in to your online account and go to the ‘Update my details’ area, where your current contact details will be displayed and can be updated.

Can I have an ISA and a savings account?

There's absolutely no reason why you can't have both a savings account and an ISA at the same time, so you need to work out which is more beneficial to you. This will depend on your personal circumstances.

If you want to buy a home then getting a Help to Buy ISA will pay you a bonus from the Government in addition to any interest, but you can only use it toward purchase of a home. The Lifetime ISA for the under 40s also pays a bonus, so if you are eligible for one it is worth considering.

Both ISAs and the Personal Savings Allowance offer you tax benefits from saving, but you have to consider the pros and cons and see which will best fit your situation – especially if you can save less than the ISA allowance.

If you will potentially exceed either or both your annual ISA allowance or Personal Savings allowance it makes sense to use both to maximise the amount of interest you can earn tax free.

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Are ISAs a good investment?

Stocks and shares ISAs can be a good investment for many reasons. If time is on your side, investing can be a great way to help you achieve your long-term financial goals as you can ride out any market fluctuations. However, investments can fall as well as rise and you may get back less than you invest.

Then there are the tax breaks. You’ll benefit from tax-free income, capital gains and dividends.

Many people are understandably anxious about investing because they think it’s too complex. But if you’re new to it, there are some easy ways to get started, such as ready-made funds run by experts.

Stocks and shares ISAs are only a good investment if you manage risk sensibly. The greater the risk, the greater profit you’re likely to make but the more you’re also likely to lose. And remember to factor in additional costs when planning your investments, such as admin charges and fund management fees.

The golden rule of investing is to spread the risk. Be sure to balance your portfolio with a mix of equities, bonds and cash spread across different industrial sectors and geographical areas.

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How do I add or change a beneficiary?

Please log in to your online account and send us a secure message with details of who you want to add or change from and to. 

We’ll need your new beneficiaries’ title and full name, date of birth, relationship to you and permanent residential address.

How do I change my user ID?

Simply log in to your online account, go to the ‘Update my details’ area and follow the instructions. For your security and ease, we recommend your new ID includes a combination of letters and numbers, and has no more than 15 characters.

How can I change my password?

Simply log in to My Account, go to the ‘Update my details’ area and follow the instructions.

Your password must include at least:

Eight characters

One upper case letter

One lower case letter

One number

One special character from this list:

                                                              - _ @ ` # $ % ‘ ? : [ ] { }.

 
It can’t be the same as your user ID and we also recommend that you avoid commonly used passwords.

How do I let you know if I’ve changed my name?

Simply log in to My Account, go to the ‘Update my details’ area and follow the instructions.

You’ll be asked to print and post the online form back to us with one of the following documents:

  • Marriage or civil partnership certificate
  • Deed poll document
  • Current valid passport
  • Decree absolute or final order of civil partnership dissolution
  • Statutory declaration

 
Once we’ve received your form and documents, we’ll make the change and send confirmation to your contact address.  We’ll also return any original documents.

How do I update my email address?

Simply log in to My Account and go to the ‘Update my details’ area. Your current contact details will be displayed and can be updated online.

If you currently use your email address as your user ID, you may want to change this too.

Can I get a benefit statement?

We’ll automatically send you an annual benefit statement in the month of your pension’s anniversary.

Risks

Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.