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Defined Contribution Section ABF
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About the Scheme
Overview How it works How do I join? Looking after the Scheme Leaving the Scheme Opting out Absence from work Ill health Death benefits Divorce

Paying in
Overview Contribution rates Saving more: AVCs Transferring into the Scheme Where do my contributions go? Your pension modeller

Investments
Overview Tier 1: Target date funds Tier 2: Diversified growth/multi-asset investment funds Tier 3: Single asset funds Tier 4: Funds 'on request' Risk and reward? Making changes to your investments

Retirement
Overview When can I retire? Your retirement options Retiring due to ill health Tax implications Further guidance Hargreaves Lansdown

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Overview Pension scams Documents Forms Videos

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax

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Defined Benefit Section ABF
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Leaving the Company Death benefits Divorce Absence from work

AVCs
Overview Can I increase my benefits? How does it work? Starting changing AVCs Using AVCs at retirement

Retirement
Overview Normal retirement Early retirement Flexible retirement Tax-free cash lump sum Working past your Normal Retirement Date Ill health retirement Reduced accrual members How pensions were calculated prior to April 2016

Deferred members
Overview Revaluation rates Change of details Transferring your pension Retirement

Pensioners
Overview Change of details Pensioner statement Pension payment dates Pension increases

Forms and Downloads
Overview Pension scams Documents Forms

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax
Defined Benefit Section British Sugar
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Death benefits Divorce Absence from work

AVCs
Overview Can I increase my benefits? How does it work? Starting changing AVCs Using AVCs at retirement

Retirement
Overview Normal retirement Early retirement Flexible retirement Ill health retirement

Pensioners
Overview Change of details Pensioner statement Pension payment dates Pension increases

Deferred members
Overview Revaluation rates Change of details Transferring your pension Retirement

Forms and downloads
Overview Pension scams Documents Forms

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax
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Defined Contribution Section Defined Benefit Section - ABF Defined Benefit Section - British Sugar

Home
About the Scheme
Additional Voluntary Contributions (AVCs)
Retirement
Pensioners
Deferred members
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Taxation

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