True Potential Investor Pension Quick Facts
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1 True Potential Investor Pension Quick Facts
2 What is a personal pension? A personal pension is a financial product designed to help you save for your retirement. Pensions are tax-efficient, allowing you to save more over your working life to provide an income in retirement. With a personal pension, you are in control of the amounts you invest and the goal you set. What are the benefits of the TPI Pension? The TPI Pension has many benefits if you want to save for your retirement: Flexible access from age 55. It is a no-fee pension, which means there is no annual charge for the tax wrapper. There are no dealing charges. Access and manage your pension online 24/7. You can choose to drawdown your pension on a flexible basis. You have access to a range of strategy funds from world-class fund managers. Who can invest in a TPI Pension? To open a TPI Pension, you must: be aged 16 years or older; be a UK resident for tax purposes; and not be classed as a US person for tax purposes. Is the TPI Pension suitable for me? The TPI Pension may be suitable for you if you are: looking for a way to save for retirement; able to invest a minimum of 50; interested in managing your pension online; and confident you are able to manage your pension without financial advice. 1
3 What types of investment can I have in my TPI Pension? Through the TPI Pension, you have access to a range of carefully selected strategy funds from world-class fund managers. Each diversified fund has different attributes, so you can choose the fund that best matches your needs. You can compare risk profiles, management styles (such as active or passive), asset class allocation and charges before choosing the fund you wish to invest in. How much can I invest and how much am I taxed in my TPI Pension? A personal pension, such as the TPI Pension, is a tax-efficient way to save for your retirement. Under current rules, you can pay in up to 100% of your income, up to an annual limit of 40,000. So, if you earn 35,000 you can pay the full amount in to your pension. Once you start withdrawing from your pension via flexi access drawdown, you have a 10,000 limit on contributions you can make. You don t pay income tax or capital gains tax on money invested in your pension. You also get a tax rebate from the Government in the form of tax relief: 1. If you re a basic rate taxpayer, you get a 20% rebate - so for every 800 you invest, the actual amount invested is 1,000, as 200 of tax relief will be reclaimed from HMRC on your behalf. 2. Higher rate taxpayers may be eligible to receive an extra 20% when you fill in your self-assessment return. 3. Additional rate taxpayers may be eligible to receive an extra 25% when you fill in your self-assessment return. What is the cost of the TPI Pension? Unlike many personal pensions, the TPI pension does not apply a charge for the tax wrapper. You will only be charged: a platform fee of 0.40% per annum; and a fund management fee dependent on the fund you choose. 2
4 What are the risks of investing in a TPI Pension? Your main risks are: The value of your investment may rise or fall and you may get back less than you invested. What you get back will depend on future performance, nothing is guaranteed. Past performance is no guarantee of future performance. Our charges may increase. If you withdraw money you may get back less than you invested because: a) your investments grow less than illustrated; b) you take money out; and/or c) you do not invest as planned. Tax rules can change at any time. If you cancel and your investments have fallen in value, you will not get back the full amount you invested or transferred. When can I access my retirement savings? You can begin drawing from your pension from age 55 onwards. You do not need to be retired to start drawing pension benefits. 3
5 How can I access my retirement savings? There are three ways to take money out of your pension with True Potential Investor: Take the whole amount with 25% tax-free and the rest taxed as income. Take 25% tax-free lump sum and draw the rest as an income, taxed at your marginal rate. Take no lump sum, but a regular income with 25% tax-free and the rest taxed at your marginal rate. To start drawing from your pension, via either method, you must download and complete a True Potential Investor Pension Benefit Application Form from When we receive your form, we will make arrangements to pay in to your bank account, General Investment Account (GIA) or Individual Savings Account (ISA). Your capital is at risk. Investments can fluctuate in value and you may get back less than you in invest. Past performance is not a guide to future performance. Tax rules can change at any time. Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX London Office: Grosvenor Gardens, Belgravia, London, SW1W 0EB T: E: enquiries@tpinvestor.com True Potential Investor is a trading name of True Potential Investments LLP which is authorised and regulated by the Financial Conduct Authority. FSR No Registered in England and Wales No OC
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