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  • Pension essentials Chevron Down Icon
    I'm new to the Scheme
    10 things to know about pensions 
    Nominations for death benefits
    Saving more 
    Pension tax limits
    Transferring in or out
    The State Pension
    Pension scams
    Divorce and my pension
    Guidance and advice 
  • Defined benefit members Chevron Down Icon
    I'm still working
    Joining and auto-enrolment  I'm new to the Scheme Benefits of my membership My payments Saving more My circumstances have changed Severance and redundancy Leaving the Scheme and opting-out
    I'm planning to take my pension
    How much I'll need for retirement  When to retire  Staying in work Ways to take my pension  Making the right decision Applying for my pension Transferring my pension Guidance and advice Watch out for pension scams
    I'm already taking my pension
    My pension payments and P60s Annual pension increase Updating my bank details My pension when I die Working after I take my pension The State Pension Useful contacts Penfriend
    Saving more with BRASS or AVC Extra
    Saving more with BRASS Managing my BRASS Saving more with AVC Extra Managing my AVC Extra Investing: the basics I need to know BRASS fund choices AVC Extra fund choices Fund prices and performance Fund risk ratings Taking my BRASS Taking my AVC Extra
  • IWDC members Chevron Down Icon
    I'm still working
    Joining and auto-enrolment I'm new to the Scheme How the IWDC Section works  Benefits of my membership My payments Saving more My circumstances have changed Severance and redundancy Leaving the Scheme and opting out
    Managing my investments 
    Investing: the basics I need to know My fund choices Fund risk ratings Fund prices and performance My Target Retirement Age
    I'm planning to take my IWDC pot
    How much I'll need for retirement When to retire Staying in work How I can take my IWDC pot Understanding drawdown Understanding annuities Understanding encashment Making the right decision Applying to take my IWDC pot
  • Knowledge hub Chevron Down Icon
    Help and Support
    Retirement Budgeting Calculator Read as You Need guides Video library Glossary FAQs DB member forms IWDC member forms Get in touch Reporting the death of an RPS member How to give us feedback or make a complaint My communication preferences Financial wellness support  Pension webinars
    News and views 
    News updates Newsletters Blog Have your say with Platform
    About the Scheme
    Scheme documents  Valuation The Trustee 30th anniversary
    Investments
    Our approach to investing  Where we invest Investment reports Sustainable Ownership Sustainable Ownership blogs Investments glossary

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Railways Pensions is powered by Railpen Limited
© Railpen Limited 2010-2025. Registered Office: 100 Liverpool Street, London EC2M 2AT
Each of Railpen Limited (registered in England and Wales No. 2315380) and Railway Pension Investments Limited (RPIL) (Registered in England and Wales No. 1491097) is a wholly owned subsidiary of Railways Pension Trustee Company Limited (Registered in England and Wales No. 2934539). Registered office for each company: 100 Liverpool Street, London EC2M 2AT. RPIL is authorised and regulated by the Financial Conduct Authority for some of its activities. The administration of occupational pension schemes is not a regulated activity. Full details about the extent of RPIL's authorisation and regulation by the Financial Conduct Authority are available from us on request.

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