Discounted rates for Origen Financial Services
If you’re nearing retirement, or just starting to consider your options, talking to a financial advisor is a good idea. This can help you to maximise your pension benefits and avoid costly mistakes.
As a Unilever UK Pension Fund member, you can get advice from Origen Financial Services at a reduced rate. Origen Financial Services are regulated by the Financial Conduct Authority (FCA) and can give you personalised advice.
They can also help with transfers. If you’re thinking about transferring out of the Fund, we strongly recommend speaking to Origen first. Origen has in-depth knowledge of the Unilever UK Pension Fund but is completely impartial and independent of Unilever and the Fund’s Trustees.
You can of course use a different firm of financial advisers. Only take financial advice from FCA regulated firms.
Find out more about Origen and IFAs
Using your pension pot when you retire
Depending on when you started at Unilever, you’ll have money in the DC Investing Plan and/or DB Career Average Plan and Final Salary Plan pension.
If you have money in the DC Investing Plan, you can use it to:
- buy a guaranteed income for life (annuity)
- take a cash lump sum (25% of which is tax free)
For more flexibility, you can transfer your DC Investing Plan pot to another pension arrangement.
Unilever has set up a Master Trust with Fidelity offering additional options such as drawdown (allowing you to take a regular income directly from your pot while keeping some money invested).
There are no fees for moving your money to the Fidelity Master Trust.
To find out more about the Fidelity Master Trust