WELCOME TO "PENSIONS AND YOU"

“How do you feel about retiring?”

Most of us have mixed feelings. We look forward to more leisure time, life away from the stress of day-to-day work, but we are apprehensive about our finances. Will we have enough money to actually enjoy retirement?

70 is no longer considered old. After all, The Rolling Stones are in their 60s! Someone retiring today at 65 can look forward to a life expectancy of 20 years or more. This longer time spent in retirement means that we need to plan ahead and make sure that we do have the money available to be as financially secure as possible

Our website has the following aims:

• To give you a better understanding of what pensions are all about.
• To show you how to make an estimate of what your pension will be         when you retire.
• To show you what the options are if you want to improve your                  pension position.

The information currently available includes:

1. State Pension Benefits

2. Private and Occupational Pensions

3. Pensions - How much will you receive?

4. Improving Your Pension

We have nothing to sell, we are providing free information both for members and their colleagues at work. This initiative is aimed at enlightening workers to enable them to make informed decisions. We have consulted one of the country’s leading pension specialists to ensure that we have provided unbiased and accurate information.

Scottish Transport Credit Union Limited
Authorised and Regulated by the Financial Services Authority

This document is for guidance only, and professional advice should be obtained before acting on any information contained herein. We cannot accept any responsibility for loss occasioned to any person as a result of action taken or retained from in consequence of the contents of this publication.