Each year you will receive a benefit statement that provides you with details of the benefits that you have built up over the previous year and how much is held in your pension account. Your statement also includes an illustration of the benefits you could receive at retirement.

This will help you as part of your plans for retirement. You can check your savings and forecasts year on year, as well as ensuring that your personal details are correct.

You should remember that the pension figures in your statement are for illustration purposes only and do not guarantee an entitlement to the benefits shown. Your investments can go up as well as down, and past performance is no guarantee of future performance.

You can seek further information from our Scheme Administrator, Capita, by using the details on the Useful links page and where appropriate, seek independent financial advice.