Starting to plan your retirement

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Transcript
Starting to plan your retirement
Slide 1. 'Starting to plan your retirement'
Welcome and introductions.
Housekeeping (including management of questions).
This session has been designed to help members, who are more than 10 years away from retirement, to review their pension savings and start planning for retirement.
Remember, the savings in your workplace pension could become an important part of your income once you’re ready to slow down or stop working altogether.
So, although this might seem like it’s still some way off, the decisions you make today are likely to play a vital role in shaping your future lifestyle.
Please note that we’re unable to answer any individual questions today.
To assist you, we’ve created a webpage that provides answers to some of the questions you may have about your workplace pension and includes links to the websites and tools that we’ll be looking at in today’s session, which you’ll find at legalandgeneral.com/pensionquestions.
If you have a question about your individual plan, please contact our Helpline on 0345 070 8686.
Slide 2. Important information
Risk warnings:
· This is a general education presentation and does not represent financial advice.
· It’s based on the 2024/2025 tax year.
· The law, tax rates and any allowances may change in the future.
· The value of your investment can go down as well as up. It isn’t guaranteed, so you may get back less than you put in.
Slide 3. Agenda: What are we going to cover today?
Today we’ll be focusing on:
• thinking about your life in retirement.
• knowing where all your pensions are.
• making sure the way your pension savings are invested matches your plans.
• the resources that can help with your planning.
• where to go to get more guidance and advice.
• 3 things you can do straightaway to start planning for retirement.
Slide 4. Thinking about your life in retirement
When it comes to planning for retirement there’s so much to think about, it can be hard to know where to start.
Being able to answer the following questions will help you to define your plans for retirement:
1. What sort of retirement do you want … and when?
2. How much will your lifestyle in retirement cost?
3. How are you going to take your money?
We’re going to take a look at each of them in more detail …
Slide 5. What sort of retirement do you want … and when?
If you haven’t done so already, it’s time to ask yourself 2 important questions:
· When are you intending to retire?
Do you want to retire in the near future, or are you not thinking about retiring for another 10 or 20 years?
· How do you want to spend your time?
Do you want to travel the world, or are you simply looking forward to focusing on your hobbies or enjoying a slower pace of life?
Having a clear idea of when you want to retire and what you want your retirement to look like will help you to work out how much you’ll need in your pension pot. To find out more, go to the Approaching retirement section of our Go&Live website, which you can access by scanning the QR codes on the slide.
Slide 6. How much will your lifestyle in retirement cost?
The Pensions and Lifetime Savings Association (PLSA) have created the Retirement Living Standards to help pension savers visualise how much they might need to support a ‘minimum’, ‘moderate’ or ‘comfortable’ lifestyle in retirement.
To help with this, we’ve developed a Retirement living standards tool that can help you to work out how much you might need in retirement, either as an individual or as a couple.
It works with the PLSA’s Retirement Living Standards and allows you to amend different categories of expenditure so that it’s relevant to your needs, helping you to identify an annual income that would provide you with the lifestyle you’re aiming for. You’ll find the Retirement living standards tool in your online account, which you can access by scanning the QR code on the slide.
Please note that the figures shown on the slide are based on a single person living outside of London.
Slide 7. Will the State Pension be enough?
Having just seen how much your lifestyle in retirement might cost, let’s take a look at how much you might get from the State Pension.
For the 2024/2025 tax year, the full State Pension is £221.20 per week or approximately £11,500 per year.
To receive a full State Pension, you need 35 years’ qualifying National Insurance (NI) contributions. You must have at least 10 qualifying years of NI contributions to receive any State Pension entitlement.
As well as paying contributions while working, you can also ‘earn’ qualifying years by receiving NI credits if you’re unemployed, ill, parenting or a carer.
Currently, the State Pension age is between 66 and 68, depending on when you were born.
However, even if you qualify for the full State Pension, this will be less than the amount required to support the PLSA’s Minimum lifestyle in retirement. And it will fall some way short of the amounts required to support a Moderate or Comfortable lifestyle in retirement.
Slide 8. How are you going to take your money?
The earliest you can currently access your retirement savings in this scheme is from the age of 55.
You may be able to access your savings earlier than this, if you have an illness that means you’re unable to work again in the future or if you have a protected retirement age. A protected retirement age was available for certain pension scheme members who, prior to 6 April 2006, had the right to take their pension benefits before age 55.
It’s also worth noting that the government has implemented legislation that will increase the age of access to age 57 from April 2028. So, this means most people born after 1972 may have to wait longer to access their pension savings.
So, how can you take your money?
You can take your money in different ways and can choose the option – or combination of options – that suits your circumstances.
When you access your pension, you can usually take up to 25% of it as a tax-free lump sum, subject to allowances.
Your ‘lump sum allowance’ (LSA) is the maximum amount of money you can take as tax-free lump sums from all the pensions you have. While you can still take out money over this allowance, you will need to pay income tax on it.
The lump sum allowance is £268,275. It will be higher if you have any protected tax-free lump sums, or a protected lifetime allowance.
The remaining 75%, however you choose to take it, will be taxed as earned income. The amount of tax you pay will depend on your earnings. The money you take from your pension may affect any income-related state benefits you receive.
You can use income drawdown to provide a flexible income.
The first 25% can normally be taken as tax-free cash, subject to any allowances. The remaining 75% can be taken as needed. This is often referred to as flexi-access drawdown. You can vary, stop or suspend the amount you are taking at any time. What remains in your pot is still invested and the value of investments may go down as well as up. If you take out too much of your investment or the funds do not perform as well as you would expect you could run out of money before you die.
You can use your pension pot to buy a guaranteed income through the purchase of an annuity.
You can normally take 25% as tax-free cash, subject to any allowances; using the remaining 75% to buy an annuity that will give you a guaranteed amount of money payable for either a fixed term or for the rest of your life. The income from the annuity will be taxed as income.
There are different types available which will typically be bought through an insurance company. It’s important to shop around to find a provider and a deal that suits you. It’s important to be aware that once an annuity has been set up it can’t be changed. If you have certain medical or lifestyle factors such as smoking or high blood pressure, you might get a higher income.
You can take your pension pot as cash all in one go. 25% of this amount will normally be tax-free, subject to any allowances, with the rest being taxed as income. Think carefully before you do this. It could result in a larger amount of tax being deducted before we pay you.
You can also take cash from your pot in smaller sums. Normally, the first 25% of each cash withdrawal will be tax-free, subject to any allowances, with the rest being taxed as income. This may allow you to access your money more tax efficiently. What remains in your pot is still invested and the value of investments may go down as well as up.
You don’t have to choose just one option or one provider. You can choose different options for each pension pot you have. You can transfer all or some of your pension pot to another provider and have your benefits paid by them. However, you may lose your entitlement to any benefits that were protected, such as the ability to combine your defined benefit and defined contributions pots, the ability to access your pot before 55 or take a tax-free cash sum greater than 25% of your pot. Please check this before transferring.
Slide 9. Money Purchase Annual Allowance
It’s important to make you aware that, if you start to take money from a Defined Contribution pension pot, the amount you can continue to contribute to your Defined Contribution pensions - and still get tax relief – may reduce.
This is known as the Money Purchase Annual Allowance (MPAA).
You can normally pay the equivalent of your annual salary into your company pension plan each year and still get tax relief. However, there is an Annual Allowance and if you go beyond this, you may incur a tax penalty. The Annual Allowance is currently £60,000. This includes any contributions from your employer.
But if you trigger the MPAA, this reduces to £10,000 a year. The MPAA will not apply if you buy a lifetime annuity, if you only take your tax-free cash or if you take benefits from a defined benefit scheme.
You can find out more on the MoneyHelper website, which you can access by scanning the QR code on the slide.
Slide 10. Keeping your plan on track
It’s important, once you’ve identified your retirement saving goals, to regularly review your plans to check if you’re on track to achieve them. To help you stay on track, we’d suggest you adopt some or all of the following steps:
· Use our Retirement planning tool to regularly check if you’re on track to achieve your goals. We’ll look at this in a bit more detail later on.
· Contribute as much as you can sensibly afford to your pension, in line with your target income in retirement.
· Talk about your pension planning with your partner. Make sure you know about each other’s pension and saving plans, contribution limits and that you’re both on the same page.
· Carry out a regular Midlife MOT. That'll help you see how your finances - as well as your health and mental wellbeing - are doing.
· Make use of free support like the MoneyHelper or Retirement Living Standards websites.
Scan our QR codes to access the retirement planning tool (via your online account), the Midlife MOT course or the MoneyHelper or Retirement Living Standards websites.
Slide 11. Knowing where all your pensions are
Between house moves, new jobs and lost paperwork, it’s easy to lose track of your pension pots – but all those lost pots add up. In fact, there’s now £26.6 billion of unclaimed pensions in the UK.
When it comes to planning for retirement, having a good understanding of how much your pension savings are worth will help. But for those with multiple pensions, particularly if you’ve lost track of any old ones, it can be difficult to know where to begin.
Let’s start by looking at how to track down any old pensions …
Slide 12. Tracking down your old pensions
If you’ve moved house or changed jobs, which most of us probably have at some stage, remembering where all those old pensions are can be a bit of a challenge.
But, as we highlighted on the previous slide, knowing where all your pensions are - and how much they might be worth – is essential when it comes to planning for retirement.
If you’ve got any old pensions that you’ve lost track of, you may be able to locate them by trying the following:
1. Contact the pension provider
If you had a personal pension (that wasn’t taken out through a previous employer) then try contacting the company that you paid your contributions to. Try to find any old paperwork that might tell you the name of the provider or list a contact telephone number.
2. Contact your previous employer
If it was a Workplace pension (that was taken out through a previous employer) start with the company that you worked for.
3. Use the Pension Tracing Service
If you can’t find your previous employer, perhaps the company is no longer trading or is now trading under a different name, you could try the government’s free Pension Tracing Service. For more information see the how to track down your old pension section of the Go&Live website.
And, if you’re successful in finding any of your other pensions, you may want to consider whether there would be any benefit in gathering them all together in one place.
There’s a lot to think about before making a pension transfer. And that’s what we’re going to look at next.
Slide 13. Getting all your pensions into one place
There are lots of reasons why you might want to transfer an old pension to a different provider. You may want to make it easier to manage your retirement savings (by having them all in one place) but it could also be about reducing your charges or improving your investment choices or the options that are available when you want to take your money.
When it comes to deciding whether transferring your retirement savings is right for you, there’s a lot to think about. You might want to start by comparing the charges and available options, to see whether a transfer would be beneficial. You should also check if there are any penalties for transferring out or whether you would lose any guarantees or special features.
It's important to be aware of pension scams. You can find out how to spot, avoid and report pension scams at the MoneyHelper website.
You should also find out if you’re required to seek financial advice, as some schemes (depending on the value of your pot) may require you to get a recommendation from a financial adviser. And, even if you aren’t required to do so, you may still want to seek financial advice. To find an adviser in your local area go to unbiased.co.uk, which you can access by scanning the QR code on the slide. Advisers normally charge for their services.
Please note, as we outlined at the outset, we’re only providing information in our presentation today. We can’t provide financial advice and, as such, we aren’t recommending that a transfer is the right thing for you.
Should you decide to transfer other pensions to Legal & General, you may be able to use our My Future Now pension transfer service, if it’s available to your scheme. It’s a simple way to combine all your pension pots in one place and to tell you a bit more about this free service, we’re going to play you a short video.
<play video: Legal & General - Getting your pensions into one place>
Transcript:
My Future Now helps you combine your pension pots, making it easier for you to manage your pension savings through one online account. It might even save you money on lower fees and charges.
If you've got a Legal & General pensions account, or once you've set yours up, to start combining your pensions, we'll just need a few details. Your current address, your National Insurance number and your Legal & General pension policy number.
We'll make it easy for you to decide about transferring your pensions.
On our website we give you a timeline on the process and a list of pension types for you to check if yours is eligible for transfer. Just tell us what you know about your existing pensions, and we'll do the rest.
Once you've registered to transfer your pensions, we'll need your pension provider and policy number, if you know it. If you can't locate your policy number, don't worry, we can contact the pension provider on your behalf.
We'll tell you everything you need to consider before you transfer, about any charges, if you can change your mind, and about any retirement investment options.
We'll show you a summary of your details for you to check and provide a declaration so you can confirm you're happy for us to work on your behalf.
You can easily authorise the transfer using our E signature function, then submit your request and we'll do the rest.
If you know your policy details, transfers usually take two to five weeks. If you're unsure, you can still proceed and we'll ask your previous provider to send us your policy number, but this can take between 4 to 16 weeks.
If you'd like to combine your pension pots with My Future Now, log in and get started today.
You’ll need to check the type of pension that you want to transfer, as there are some types of pensions that we can’t accept and others where you’ll be required to take financial advice.
For more information see our ‘Guide to pension transfers’ on the My Future Now website, which you can access via the ‘Transfer in a pension’ link in your online account.
Slide 14. Making sure your investments match your plans
As we looked at a little earlier, you can take the money from your pension pot in different ways; you can use income drawdown to provide flexible income, use your pension pot to buy an annuity, take your money as cash, or combine two or more of these options.
And while you might not realise it, it’s important to make sure your savings are invested in a way that matches how and when you intend to start taking it.
If this is something you haven’t really thought about, then you might want to start by asking yourself the following three questions …
1. Are your savings invested in a way that matches how you plan to take your money?
2. Are there other investment options that may be better suited to the way you’re planning to take your money?
3. If your current investments target a particular date, does this match when you plan to take your money?
If you haven’t already, you might want to look at the investment guides and factsheets, which are available on your scheme website or by visiting your online account, and could support your understanding. You can access your online account by scanning the QR code.
Slide 15. Understanding risk and reward
When it comes to investing your money, there’s a relationship between investment performance and investment risk.
This means that, if you choose a high-risk fund that might have the potential to perform better than other investments, there’s likely to be a greater chance that you could lose a large part of the money you have invested. By investing in a low-risk fund, you’re unlikely to lose your savings but they’re unlikely to go up in value by as much.
You can reduce risk by putting your money in different types of investment with varying levels of risk. This is commonly referred to as 'diversification'.
When you put your money into your pension, it’s invested into one or more funds with the aim of helping your savings grow. Funds can be made up of a range of assets - assets can commonly include equities (company shares), property, bonds (loans to businesses and government), cash (short-term deposits with governments and financial institutions such as banks and building societies).
It’s important to be aware that, in periods of extreme market shock, some asset classes can be more volatile and, as a result, the chance of you losing some or all of your money could be greater.
In most cases, your scheme’s default investment option will automatically diversify the way your savings are invested.
For more information on this, or to find out more about risk and reward and how Legal & General risk rates its funds, see your scheme website.
Slide 16. How are your pension savings invested?
The default investment option for your scheme will have been selected by your employer and/or your scheme Trustees, possibly in conjunction with their investment advisers.
Not all schemes have the same default investment option.
Depending on the scheme you are in, this will be a fund or lifestyle profile, and it is where your retirement savings will be automatically invested if you don’t make a different choice.
Although it’s considered a suitable choice for most scheme members, the default investment option doesn’t take into account your own personal circumstances or your future plans. You don’t have to remain in the default and, instead, you can choose to self-select your own investments from the options available to you (which may vary from one scheme to another).
It’s important, therefore, to also be aware of where your savings are currently invested and to regularly check that this reflects your current plans for retirement.
If you haven’t done so recently, now would be a good time to check this.
As we looked at earlier, you can take your pension savings in different ways and there are some investments that allow you to invest your savings in a way that matches how you plan to take to take them.
Now would also be a good time to think about checking your selected retirement date, which - unless you’ve changed it yourself - would have been set automatically when you joined the scheme.
It’s important to review this date on an annual basis, or if your circumstances change, and think about whether you still intend - or can afford - to take your money at the date that’s been set.
If your selected retirement date no longer reflects your circumstances or your plans, you may want to consider changing it. This is particularly relevant if you’re invested in a lifestyle profile or a Target Dated Fund that moves your savings into different funds or asset classes, as you get closer to your selected retirement date. You can do this in your online account.
If you’re thinking of making your own investment decisions, you can find details of all the investment options that are available to you on your scheme website and or by visiting your online account, where you will also be able to make any changes. It’s also important to check whether the fund or lifestyle profile you’re considering matches your own attitude to investment risk and your plans in retirement and that you are comfortable with the charges.
Please be aware that the value of an investment and any income taken from it is not guaranteed and can go down as well as up, and you may not get back the amount you originally invested. Different funds have different associated risks. Please read the relevant fund documentation before making any investment decisions.
You may also want to take financial advice before making any changes to your investments. You can find a local financial adviser at www.unbiased.co.uk, which you can access by scanning the QR code on the slide. Financial advisers usually charge for their service.
Slide 17. Resources that can help
We want to help you take control of your money and give you the confidence to start planning your retirement.
To help you with this, we provide a range of useful tools and resources.
Slide 18. Managing your pension You can manage your retirement savings with Legal & General using your online account.
It’s a bit like ‘internet banking’ for your pension. In the same way most of us manage our bank accounts online these days, you can use your online account to manage your pension savings. You can access your online account at legalandgeneral.com/mya.
Some of you may also be able to access it from your company’s intranet site or workplace benefits platform - without needing to enter a password if your employer operates a Single sign on process.
You can also login to - or register to access - your online account by scanning the QR code on the slide.
Once logged in to your account, you’ll be able to:
· see the current value of your pension pot and contributions received from you and your employer.
· use our planning tools to regularly check what your pension pot might be worth at retirement and to work out if you might want to increase your contributions or change your retirement date.
· provide details of who you’d like your pension benefits to go to in the event of your death (nomination of beneficiary).
· manage how your savings are invested, including viewing your current fund performance and other investment choices available to you and changing the way your savings are invested if needed.
· view your benefit statements and other important documents.
· change your selected retirement date if it no longer reflects your plans.
Slide 19. The Legal & General App
The Legal & General App gives you everything you need to manage your workplace pension in the palm of your hand!
With complete access to your online account, you can carry out all the tasks we highlighted on the previous slide from your tablet or mobile phone.
If you’ve already registered for your online account, you can log in using the same username and password. If you haven’t already downloaded it, you can do so from the App Store or Google Play, either of which you can access by scanning the appropriate QR code.
Slide 20. Our retirement planning tool
Our retirement planning tool can help you to see if your retirement savings are on track. You can access it from your scheme microsite or by going to your online account.
Our retirement planning tool can help you to work out if you’re on track to achieve the retirement you want.
In just a few simple steps, you can use the tool to find out:
• the projected value of your pension pot.
• how much income you could get every year of your retirement.
• whether this meets your retirement goals.
· what impact changing your contributions or retirement age will have on your income.
There are several risk warnings and assumptions and it’s important that you read and understand them. It’s also important to be aware that, using the tool does not replace the need for you to seek guidance and financial advice.
Slide 21. Midlife MOT
To help you with your retirement planning, we’ve created a free Open University course, which takes around 4 hours to complete.
The Midlife MOT is aimed at people in their 40s and 50s who want some help when it comes focusing on their own financial and physical wellbeing.
Completing this course will help you to assess your financial situation, understand how you can improve it and identify how much income you’ll need in retirement. It will also help you to look at your work life and assess your wellbeing. To find out more go to the Midlife MOT website.
Slide 22. Let’s talk about Rewirement!
The transition to retirement can be a difficult one to navigate.
Our Rewirement podcasts - featuring broadcaster Angellica Bell along with a host of guests including real-life pension scheme members - offer information and support on a wide range of retirement-related issues from retirement planning to looking after your mental wellbeing. You can access the Rewirement podcasts by scanning the QR code on the slide.
Slide 23. Guidance and advice
As you start planning for retirement, it’s important to get the support you need to help you make decisions about your retirement plans.
Slide 24. The importance of seeking guidance and advice
Money Helper is the government body that provides impartial financial guidance and support. The MoneyHelper website has information about the costs and what you should expect if you decide to pay for financial advice. It’s a good place to start.
Pension Wise is a free and impartial service that can help you to understand the ways you can take your retirement savings and the potential tax implications of each one.
The Pension Wise website offers lots of information and, if you’re aged 50 or over, you can book a free 60-minute appointment with a specialist who’ll provide you with guidance either face to face or over the phone. The government also has a mid-life MOT website that provides guidance to help people carry out a financial stock-take some years before their retirement. If you need personalised financial advice, visit unbiased.co.uk to find financial adviser in your local area. Please note that advisers normally charge for their services.
You can access these websites by scanning the QR codes on the screen.
Slide 25. LGFA: Legal & General Financial Advice
Through your scheme you may have access to Legal & General Financial Advice (LGFA).
Deciding what to do with your pension savings can be complex. But you don’t have to decide on your own. If you’re aged 55 or over, and living in the UK, our advisers can help you review what you have and need before giving you expert advice about how to make best use of your hard-earned pension savings, all in the comfort of your own home.
Our retirement and planning advice team is an independent service provided by Legal & General Financial Advice, as part of the Legal & General Group and our advisers can help you understand:
• what income you’ll need in retirement
• what you’ll have, and
• what your options are, including tax implications and allowances you can take advantage of. To find out more about the service and related costs go to the Legal & General Financial Advice website, which you can access by scanning the QR code on the slide.
Slide 26. Frequently asked questions
Although we aren’t able to answer your individual questions, we’ve created a webpage that provides answers to some of the questions you may have about your workplace pension and includes links to the websites and tools that we’ve looked at today, which you’ll find at legalandgeneral.com/pensionquestions
We’re going to look at some typical questions that members often ask. If we don’t cover something that you want to find out a bit more about, please check out our ‘pension questions’ webpage.
If you have a question about your individual plan, please contact our Helpline on 0345 070 8686.
What will happen to my pension in the event of my death?
Should you die, the value of your pension pot will be paid to your beneficiaries. Please note that this is separate from any death in service cover that your employer may provide.
The decision as to who will receive any money, will be at the discretion of Legal & General or your scheme’s trustees, depending on the type of scheme you are in.
You should let us know who you would want your beneficiaries to be, and you can do this by completing the Nominate a beneficiary section in your online account. This isn’t something that will be done on your behalf, so it’s your responsibility to ensure you complete the form.
It’s also important to keep this information up to date if your personal circumstances change.
When do most British people retire?
Although there are plans to increase it in the future, given that the State Pension age is currently 66*, it’s probably no surprise to learn that most people in the UK currently retire when they’re about 65 years old.
However, in recent years an increasing number of British workers have chosen to carry on working for longer, with the number of people working into their 70s rising by more than 60% in the last decade.
This is because:
· life expectancy is rising steadily.
In 1960, people lived on average to 71. That’s now risen to 81, with many people choosing to carry on earning through that extra decade.
· more jobs can now be done online, and working from home is the new normal.
That means fewer of us are doing physically challenging manual jobs, making it easier to work for longer.
· we’re ageing better than the generations before us.
Fewer people are taking early retirement due to ill health.
* Please note that the State Pension age will rise to 67 at some point between 2026 and 2028, depending on the recipient’s date of birth. It is also scheduled to increase again, to 68, in 2044 but this may be subject to change.
What will happen if I move abroad?
Should you decide to live outside the UK, you can choose to transfer your savings to a Qualifying Recognised Overseas Pension Scheme (QROPS). You can find out more about this type of scheme and the things you need to consider at gov.uk.
If you’re thinking of drawing a pension from the UK while living abroad, it’s important to be aware of the tax implications. You can find out more on the MoneyHelper website.
Slide 27. Summary
We’ve covered a lot of ground today.
You may have already identified some of the things that you need to do following this presentation but, if you’re wondering where to start, we’d suggest focusing on the following:
1. Think about your retirement goals and check that you’re on track to achieve them. The retirement planning tool in your online account can help you to identify how much you might want and will help you to work out what you need to do if you aren’t on track.
2. Check that the way your pension savings are invested matches your plans.
Knowing how you plan to take your money will help you to work out if your savings are invested in a way that reflects your intentions. Make sure you update your selected retirement age in your online account, as this may also have an impact on the type of funds your savings are invested in.
3. Review all your pensions and think about whether you want to gather them all together into one place.
Once you’ve located any lost pensions, you’ll find more information on what to think about before consolidating them into one pot and, should you want to make a transfer, take a look at our free My Future Now service.
Slide 28. Thank you.
Thank you for attending today’s presentation. We hope you found it useful.
If there’s anything you wanted to know about that we didn’t cover today, please take a look at our ‘pension questions’ website, where you’ll find answers to some of the questions we get asked most often in presentations such as this one. Go to ‘legalandgeneral.com/pensionquestions’ or scan the QR code on the slide.
If you have a specific query about your individual workplace savings plan, you can contact our Helpline on 0345 070 8686 between the hours of 8.30am and 7pm Monday to Friday.
Please note that call charges will vary. We may record and monitor calls.
You will also find more information about your workplace pension by visiting your scheme website or by going to your online account, which you can also access by scanning the QR code.
We’d be keen to get your feedback on today’s presentation, so that we can continue to improve these sessions going forward. If you’re happy to provide us with some comments, there a feedback form on the BrightTalk platform that is quick and easy to complete.
We hope to see you at one of our events in the future.
Bye for now.
<Ends>
Legal & General (Portfolio Management Services) Limited. Registered in England and Wales No. 2457525. Registered office: One Coleman Street, London EC2R 5AA.
We are authorised and regulated by the Financial Conduct Authority.
Legal & General Assurance Society Limited
Registered in England and Wales No.166055. Registered office: One Coleman Street, London EC2R 5AA.
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Trust-Based Occupational Pension Schemes are regulated by The Pensions Regulator.
Administrator: Legal & General Assurance Society Limited. Registered in England and Wales No. 00166055. Registered office: One Coleman Street, London EC2R 5AA.
Legal & General Assurance Society are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. However, the administration of occupational pension schemes is not regulated by the FCA or PRA.