Tax treatment depends on your circumstances and is subject to change

Bouncing back

A look at the recovery powers of UK markets
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Long-term thinking for your pension

History shows us that markets have always risen over time.

Click through the following slides1 to see how well UK markets have recovered after periods of negative growth.
2008-2019
Important: pensions can go down in value as well as up, so you could get back less than you put in. Past performance is not an indicator of future results.
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What to do now

You should have received your suitability report, showing you what we think you should do with your pension.

To complete your pension transfer, fill in the forms we sent you and return them to us in the envelope provided. We’ll then take care of everything for you.

You can now upload or email your signed forms

If you can’t get to a post box right now, we can accept photos of your signed forms. Simply take a photo of each form you need to complete and sign (making sure all the relevant sections are filled in) and use our secure upload form or email them to us2 at adviseme@harbourrockcapital.co.uk

Pension release and final salary schemes

A final salary scheme is usually a company pension that promises to pay you a guaranteed income for life from a set age. Unlike a standard defined contribution pension, the income you receive is not dependent on how the investments perform. These types of pensions are increasingly rare and extremely valuable.

In many cases you can release money early from these types of schemes; although, if it is worth £30,000 or more, you have to seek financial advice before you can do so. And from a regulatory point of view, the default position is to leave these types of pension as they are. This is because by releasing money early, you would be giving up that valuable guaranteed income for life. As we’ve said before, everyone’s circumstances are different, though.

This is our Financial Conduct Authority registration number

The pension savings we manage

This is how many reviewers on reviews.co.uk recommend us
1These charts are for illustrative purposes only. They do not constitute investment advice and must not be relied upon as such. The portfolios are hypothetical and are rebalanced annually on the 1st January. All investment income is assumed to be reinvested. No transaction costs or taxes are included. Bull markets (periods of positive growth) start from the lowest close reached after the market has fallen 20% or more, to the next market high. Bear markets (periods of negative growth) start from when the index closes at least 20% down from its previous high close, through the lowest close reached after it has fallen 20% or more. Sources: UK Equities: UK FTSE All Share Return Index (with GFD extension). Overall source: Timeline Tech Limited using data from Global Financial Data. Copyright 2020

2If you are willing to respond by email, in doing so you should be aware that if your email is not encrypted there is a risk that it may be intercepted and accessed during transit.
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Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: pensionaccess@harbourrockcapital.co.uk
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