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"The Government believes that there should be a wider and more informed choice about how people convert their pension savings into retirement income."
SOURCE: 'Modernising annuities', A Consultative Document, Department for Work and Pensions and Inland Revenue, February 2002

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When you retire your biggest asset will probably be your pension fund.

*** Need more information on stakeholder pension?

Changes in the pension market over the last few years have given you a much greater choice in how you decide to draw your retirement income. So even if you're nearing retirement, there's still a lot you can do to prepare for a rewarding future.

If you're under 75 and you have a sizeable pension fund there are a number of valuable options available to you.

These include:

• Access to capital when you need it
• A choice of flexible income while keeping control of your retirement fund
• Options to pass your fund on to your dependents

Because we're completely independent, one of our Retirement Options advisers will look at your specific requirements and research the market to advise you on an option that accurately meets your needs.

Important decisions you must take as you approach retirement include:

• whether to fix your income at the start
• whether to provide an income for your partner after you die
• whether you wish for your retirement funds to remain invested

Our advisers can give you impartial advice on all these issues.