Document library

There are plenty of additional documents available to help you understand how your plan works, the benefits it offers, your options at retirement and much more. Click on the link below to open the document you need:

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Useful Guides

Member booklet

Online tools, guidance and advice

IBM M Plan factsheet

The documents below include application forms, process flows and frequently asked questions relating to transfers into the Legal & General Mastertrust Pension Access Scheme (MTPAS).

Combined DB and DC Benefits - Uncrystallised Drawdown

Uncrystallised Drawdown Application Form
Application form for members taking combined tax-free cash from their AVC/ASC/M Plan Funds and DB Pension and transferring all remaining uncrystallised AVC/ASC/M plan funds to the MTPAS.

Uncrystallised Drawdown Process Flow
Explains the process for members taking a selected amount of tax-free cash (not the maximum) from their DB and DC benefits and transferring the remaining benefits uncrystallised to the Mastertrust Pension Access Scheme.

Uncrystallised Drawdown Process FAQ
FAQ for members taking combined tax-free cash from their AVC/ASC/M Plan Funds and DB Pension and transferring all remaining uncrystallised AVC/ASC/M plan funds to the MTPAS.

Combined DB and DC Benefits - Crystallised Drawdown

Crystallised Drawdown Process Flow
Explains the process for members combining their DB and DC benefits to maximise tax-free cash entitlement and then transferring the remaining crystallised DC funds to the Mastertrust Pension Access Scheme.

Crystallised Drawdown Process FAQ
These frequently asked questions are for members with IBM M Plan linked with DB benefits (administered by XPS)/DB AVCs/ASCs (held with Legal & General or AVIVA) who are exploring the option to transfer crystallised funds into Legal & General Mastertrust Pension Access Scheme.

M Plan (DC Only)

M Plan (DC Only) Drawdown Process Flow – Partial Crystallisation
Explains the process for members taking a selected amount of tax-free cash (not the maximum) from their DC benefits and transferring the remaining benefits uncrystallised to the Mastertrust Pension Access Scheme.

M Plan (DC Only) Drawdown Process Flow – Full Crystallisation
Explains the process for members taking their maximum tax-free cash from their DC benefits and transferring the remaining benefits crystallised DC Funds to the Mastertrust Pension Access Scheme.

M Plan (DC Only) Drawdown Process FAQ
These frequently asked questions are for members of the IBM M Plan (held with Legal and General) exploring the option to transfer into Legal & General Mastertrust Pension Access Scheme.
Useful forms

To Nominate or change beneficiaries simply log in to Manage Your Account and click on Nominate Beneficiaries.

Opting out
To request an Opt out form, please contact IBM Pensions Trust Operations using the details below:

Write
IBM United Kingdom Pensions Trust Limited,
BM Hursley Officer,
Building C,
Hursley Park Road,
Winchester,
Hampshire SO21 2JN

Email
PTComms@uk.ibm.com

Opting out of the IBM Pension Plans - FAQ

Change your future single contributions - If you would like to change where your future Additional Voluntary Contributions (AVCs) or Additional Smart Contributions (ASCs) are invested, please complete this form.

For all other investment changes, please log in to your online account.
Governance documentation

Governance documentation