Target Retirement Age

Your Normal Retirement Age is usually between 60 and 65, depending on your employer’s pension section rules.

However, if you are invested in a Lifestyle strategy, you should think about choosing a Target Retirement Age (TRA). This could be from age 50 if you have a Protected Pension Age. For all other members, your earliest TRA can be from age 55, and the latest is up to age 75.

A Lifestyle strategy automatically moves your contributions into investment funds which are thought best for your circumstances. The aim is to protect your Personal Retirement ​Account from sudden swings in the markets, by gradually switching your investments from higher growth to more stable funds. This process starts ten years before your TRA.

Make sure you are invested in funds that suit your circumstances -  sign in to myRPS to change your ​TRA.  Please remember to review your TRA regularly in case your retirement plans change.

You can read more about when you can retire here

Help and guidance

Learn more about the fund choices available to you in our Invest in the future section.

Speak to an independent financial adviser to talk about your retirement planning and financial options.

Liverpool Victoria (LV) has been chosen as the official partner to give RPS members access to financial advice. LV can be contacted on 0800 023 4187.  

You are still free to choose your own Independent Financial Adviser (IFA). You can also find an IFA in your area at