Library

FIND ALL YOUR IMPORTANT INFORMATION IN ONE PLACE

Your Future Income Plan documents

Here you'll find key documents about what your workplace pension offers and what contributions and charges apply.

Member guide (PDF, 924KB)

Contribution guide (PDF, 481KB)

Your investment choices and charges (PDF, 215KB)

Core fund guide (PDF, 500KB)

A guide to pension tax (PDF, 3MB)

For the latest Scottish Widows Master Trust governance documents, please visit our Members page.

Investment information

Learn more about investments and find information on your investment options.

You will automatically be invested in the Scottish Widows Master Trust default investment option which is our Pension Investment Approach - Adventurous (Targeting Flexible Access).

Pension Investment Approaches (PDF, 900KB)

Introduction to investing (PDF, 1MB)

Investing responsibly with your pension (PDF, 2MB)

Investment options guide (PDF, 1MB)

Taking your pension

As you approach retirement, there’s a lot to think about. Here, you’ll find a series of guides which will help you decide how you’d like to take your pension, when the time comes.

Helping you prepare for retirement (PDF, 1MB)

Things to think about at retirement (PDF, 1MB)

MoneyHelper guide – Your pension: your choices (PDF, 2MB)

Hub Financial Solutions Flyer (PDF, 100KB)

Your guide to flexible income (PDF, 300KB)

Flexible income fund range (PDF, 200KB)

Investment pathways: Your guide to investment options for flexible income (PDF, 400KB)

Other information

Here, you’ll find a range of other important documents.

Data privacy notice (PDF, 3MB)

Transfer in form (PDF, 500KB)

Internal resolution process (PDF, 200KB)