Guidance

1. Get the facts
   Talk to an adviser and get all the information you need to know about pensions.
2. Choose the right pension
   Your adviser can help you choose the right type of pension to suit your personal circumstances.
3. Start your pension plan
   You start making payments into your plan. Your provider will claim back tax relief on your behalf and add this to your plan. The amount of tax relief you get will depend on your personal circumstances.
4. Review your plan and make changes
   If your circumstances change, you may wish to alter the amount you pay into your plan or change the funds your payments are invested in.
5. Your choices at retirement
   When you retire, you choose how to take your benefits - whether to use your whole pension fund to provide an income or to take a tax-free cash lump sum and use the rest to provide a smaller income. Your pension provider will contact you before your retirement date to explain the options available to you.
6. Start taking your retirement income
   You can use the money in your pension fund, after taking any tax-free cash lump sum, to buy an annuity or consider other options such as income drawdown or our retirement income plan the Fixed Term Retirement Plan.

Helping you choose your pension plan

Aviva offers two different types of pension plan that you can find out more about - the Stakeholder Pension Plan and the Personal Pension Plan. You can use our decision tree to help you decide which type of plan might suit you best.

Talk to one of our advisers on 0800 068 6800*. Any advice given will relate only to the products sold or marketed by Aviva.

* Lines are open Monday to Friday 8am - 8pm, Saturday 8:30am - 5pm. Calls may be recorded and/or monitored.

WC03047 06/2011