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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 Transferring 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: Alternatives 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 Documents Forms Videos

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

DC Member Login Transfer Requirements - Scheme Information Pension scams
Defined Benefit Section ABF
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Leaving the Company Transferring out 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 Tax-free cash lump sum Reduced accrual members Working past your Normal Retirement Date 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 Your secure online account Pension payment dates Pension increases

Forms & downloads
Overview Documents Forms

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

Pension scams
Defined Benefit Section British Sugar
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Leaving the Company Transferring out Death benefits Divorce Absence from work

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

Retirement
Overview Normal retirement Early retirement Flexible retirement Ill health retirement Tax-free cash lump sum Reduced accrual members Working past your Normal Retirement Date 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 & downloads
Overview Documents Forms

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

Pension scams
Not a member
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