YOUR WORKPLACE SAVINGS
Royal Mail Defined Contribution Plan
YOUR RETIREMENT JOURNEY
The experts at the Pensions and Lifetime Savings Association have published a set of retirement living standard to help you picture your retirement and what it might cost. They are pitched at three levels, (minimum, moderate and comfortable) based on a basket of goods and services, from food and drink to holidays.
RETIREMENT BASICS
Tools & Calculators to help plan your future
Learn about the different ways you can take money from your pension
Please check the specific options within your plan by calling our Retirements team. Some of these options may need you to be no longer employed, or to transfer out of the plan to access them.
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Dispute resolution procedure (PDF, 100KB) Information that sets out the formal procedure if you have a complaint. Changes form (PDF, 115KB) Use this form to tell the Scottish Widows Royal Mail Service team of any changes you wish to make. Choices form (PDF, 886KB) Use this form to tell the Royal Mail HR Services Team if you wish to opt-in or change contributions. Statement of investment principles (PDF, 3MB) This document sets out the policy of the Trustees of the Royal Mail Defined Contribution Plan. Annual report and financial statement (PDF, 2MB) This is the latest Annual Report of the Royal Mail Defined Contribution Plan (the Plan). Transaction Costs (PDF, 59KB) A breakdown of transaction costs and charges for the funds available within the scheme. Illustrative Examples (PDF, 161KB) Illustrative examples for the costs and charges applicable to the Scheme using a set of assumptions representative of the membership and funds available. Costs and Charges Information (PDF, 351KB) This contains information relating to the costs and charges applicable to the scheme in the form of the Chair’s Statement, illustrative examples and transaction costs data. The Chair’s Statement also includes the Implementation Statement. Royal Mail DC Plan Climate Governance Statement (PDF, 130KB) This statement documents the governance processes the Trustees have put in place to ensure they have oversight of the climate-related risks and opportunities. Royal Mail Defined Contribution Plan Climate change report (PDF, 1MB) A report by the Trustees of the Royal Mail Defined Contribution Plan about the work carried out in relation to climate change and its potential financial impact on members’ pensions savings. We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.
| Member Guide (PDF, 2MB) | This guide should answer most of the questions you might have about your plan. |
| Data Privacy Notice (PDF, 13KB) | This notice provides information on the Trustees requirement and use of your data. |
| Expression of wish form (PDF, 110KB) | This form allows you to nominate who you wish your pension benefits to go to upon your death. |
| Introduction to investing (PDF, 1MB) | This booklet explains the different types of investment choices available to you and how they work. |
| Your investment choices (PDF, 90KB) | This leaflet lists the pension fund choices that are available to you and the total annual fund charge for each fund. |
| Fund guide (PDF, 8.9MB) | This guide provides information on the different fund choices that are available to you. |
We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.