Your Pension - Your Future 

Guides

Browse our guides below to ensure you have the information you need to manage your pension effectively.



Member guides

If you have benefits in ZCashBuilder only, you can view your dedicated member guide below.

 

If you have final salary benefits and ZCashBuilder or legacy AVC benefits, you can view the hybrid member guide below.



If you have any questions about your benefits, you can also contact the ZPen team:



Investment guides

These guides tell you more about the investment options available to you and some of the factors you should be thinking about when deciding where you want to invest.

If you don't feel comfortable making a decision about where you are invested, or don't want to, then you will be invested in a default arrangement and can find out more information in the following guides.



Legacy AVCs

Find out more about the legacy AVCs that you may have paid into alongside final salary benefits.

None of the information given on this website can give you legal rights or benefits that differ from those provided in the Trust Deed and Rules. In the case of uncertainty or conflict between the content on this website and the Trust Deed and Rules, the Trust Deed and Rules (as amended from time to time) will prevail. 

You should consider taking independent financial advice on your options in relation to your benefits under the Scheme. Neither the Scheme Trustee (Zurich Financial Services UK Pension Trustee Limited) nor any member of the Zurich Group (i.e. Zurich Insurance Group Ltd - registered in Switzerland with number CH-020.3.023.089-6 and its direct and indirect subsidiaries) are able to provide you with financial advice or accept any liability for any decision you make with regards to your retirement options.