The smoothing process creates two unit prices: a ‘smoothed’ and an ‘unsmoothed’ price. The smoothed unit price is used to calculate the final value of your pension. Should you choose to transfer your pension before your selected retirement date, the lower of the two prices will be used to calculate the transfer value.
Select one of the following to view and manage your pensions and investments.
Supporting your standard or less complex investment requirements, or helping you build a portfolio within tax-efficient wrappers.
Working for you and your financial adviser to meet your personal circumstances and requirements, especially those with standard or less complex investment requirements. Or to build a portfolio within tax efficient wrappers.