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If you need help, you can call or email us (please note call charges will vary, we may record and monitor calls)
Create your future with the IBM Pension Plan
Where do you fit in our 4 step pension journey?
We want to help you make a positive difference to your life no matter what stage you’re at.
Wherever you are in your retirement journey, we're keen to support you. Whether you’re just starting out, already saving and preparing for retirement, or working out how to use your pension pot to support your retirement, we’re here to help you in your journey.
Please note - the terms Lifestyle and Lifecycle may be used interchangeably within this site to describe these investment strategies. Lifecycle will be used in most circumstances for consistency.
The pension journey
Step 1: Pension basics
You’re a member of the Plan. Find out more about:
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Contributions and tax
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How your pension is invested
Step 2: On your way
Now you’re saving for your future, you should think about:
- Investing and managing your pension savings
- Bringing your pension savings together
- Using our range of tools to help you plan for the future
- Nominating a beneficiary
Step 3: Getting there
You’re 10 years or less from retirement. It is time to make sure your plans are on track:
- Your options for taking your money
- How long your pension savings will need to last
- Reviewing your investment choices
- Checking your State retirement age
Step 4: Arriving
You’re retiring within the next 12 months and starting to finalise your plans:
- Planning your retirement
- Investment decisions at retirement
- Are you ready to retire?
- Your State Pension
Your welcome video
Your pension is an important part of saving for your future, and it’s a smart move too. Watch your welcome video below to find out more.
Video transcript (PDF 126KB)
Helpful resources
Planning tools
Our planning tools can help you manage your pension pot. They're here to help you make decisions and work out what's right for you.
Responsible investing
Find out how our investment management business incorporates a responsible investing approach, considering environmental, social and governance (ESG) issues in their investment process.
Manage Your Account
If you want to make changes to your plan, you can do this by logging in to Manage Your Account. You’ll also be able to contact us through our Secure Message Centre.
