This is not personal advice. Recommendations will be made only after assessing individual circumstances. Guidance does not guarantee future financial outcomes.
Product features, charges and suitability cannot be fully explained in this format. If you are unsure of the suitability of any product or service, please seek regulated financial advice.
The value of investments can go down as well as up and you may get back less than you invest.
Pension investments are long-term and cannot normally be accessed until age 55 (rising to 57). The value of pension investments can go down as well as up. Additional pension contributions are locked in until minimum pension age.
The value of employee benefits varies depending on provider, policy terms and individual circumstances. Insurance benefits depend on policy terms and acceptance by the insurer. Insurance claims depend on policy terms and may be subject to exclusions, conditions and limitations. It’s important to answer all questions accurately when applying, or cover may be affected. Premiums must be kept up to date to maintain cover. This is not personal advice and does not assess your individual circumstance.
Tax treatment depends on individual circumstances and may change.
Wellbeing outcomes depend on employee participation and the benefits selected.