Retirement. It pays to plan ahead

Whether you’re just setting up your pension or you’re thinking about how to retire, our tax-efficient pension plans and flexible income drawdown plans can help you create the future you want.


LFS Pension Plans

LFS Pension Plans

Two flexible and tax-efficient ways to save for your retirement. Start saving from as little as £20 a month and make regular or ad hoc payments as you want. Take up to 25% of your savings tax-free from age 55.

Find out more about our pension plans:

Personal Pension Plan
Stakeholder Pension Scheme


LFS Income Drawdown Plans

LFS Income Drawdown Plans

An alternative to a conventional annuity, our income drawdown plans allow you to take as much or as little income as you wish and vary your payments over time. Your savings stay invested in the stock market.

Find out more about our income drawdown plans:

Cash Fund Drawdown
Income Drawdown plan


How LFS can help

Start saving for your future today with LFS’s pension plans. Two simple, flexible and manageable ways to save for your retirement.

Personal Pension Plan

  • Make as many regular or ad-hoc payments as you like
  • Invest in a range of funds or choose a Lifestyle profile
  • Increase, decrease, stop and start your payments to suit your circumstances
  • Tax relief can boost your pension savings
  • Flexible ways to take your savings at retirement

Stakeholder Pension Scheme

  • Receive tax relief on your pension savings
  • Simple and straightforward investment choices
  • Annual Management Charge not exceeding 1%
  • Flexible ways to pay to suit your circumstances
  • Your employer can make contributions too

Helping you to plan

Tax information

Put simply, you don’t pay tax when saving into your pension, but you do when taking your pension.

Countdown calendar

If you have a pension with us, we explain what happens as you get closer to retirement.

Latest

LF Money Markets Pension Fund – change of underlying investment fund and fund name

Posted 10 Jan 2019 | LFS News

The underlying investment fund into which the fund invests, the Janus Henderson Money Market Unit Trust, is closing and will be replaced by the LGIM Sterling Liquidity Plus Fund (which is managed by Legal and General Investment Management Limited). In addition, the LF Money Markets Pension Fund will be renamed “LF Cash Pension Fund”.

LF Cash Personal Pension Plan change of underlying investment fund

Posted 11 Jan 2019 | LFS News

The underlying investment fund into which the fund invests is the Janus Henderson Money Market Unit Trust. This Fund is closing on 14th January. The LGIM Sterling Lquidity Plus Fund has been identified as a replacement. This is managed by Legal and General Investment Managers Limited

JFM acquired by Capita

Posted 19 Oct 2015 | JFM News

The business process management firm Capita has acquired Vertex Mortgage Services, which includes Jessop Fund Managers (JFM), for £35 million.

‘Advisers must manage client expectations post-April’: JFM

Posted 26 Feb 2015 | Industry

The impending pension changes could raise client expectations beyond realistic levels, David Hughes, managing director of JFM, has warned. Mr Hughes, managing director of the pension investment management firm, said the reforms, which come into force on 6 April, could create fresh challenges for advisers because of client attitudes.

What does 2015 hold for advisers and the pensions market?

Posted 19 Dec 2014 | Insight

As we move into an era of greater pension freedom, the general public will have more choice and control over how they access the money they have saved for retirement. It will become more important than ever for advisers to help their clients to understand the risks associated with depleting their retirement savings too soon.

Time to prepare for ‘pension freedom’

Posted 07 Nov 2014 | Insight

I have believed for some time that greater flexibility and simplicity are needed in the pensions market. The government’s changes are certainly a step in the right direction. Savers should have the freedom to choose how to access their money.

Low-cost launch to exploit capped drawdown carve-out

Posted 07 Oct 2014 | Industry

A specialist pension asset manager has become the latest to set to exploit a carve-out in the new pensions freedoms that will allow retirees to maintain an annual allowance four times higher than under new drawdown rules if they are already in ‘capped’ drawdown prior to next April.