PageSourceSearch

https://www.railwayspensions.co.uk/

html railwayspensions.co.uk collected 2026-10-06 05:23:03 UTC 119,080 bytes, 1,330 lines download raw bytes

1 <!DOCTYPE html> <html lang="en"> <head> <meta charset="utf-8" /> <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no"> <title>
2	Railways Pension Scheme
3</title> <meta name="format-detection" content="telephone=no"> <link rel="icon" href="/favicon-rps.png?version=1791264182" /> <link rel="apple-touch-icon" href="/apple-touch-icon-rps.png?version=1791264182" /> <link href="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Styles/dist/main.min.css?package=Bootstrap4&amp;v=MS4wLjAuMTU%3d" rel="stylesheet" type="text/css" /><link href="/Frontend-Assembly/RPMI.Addon.Common/Mvc/Views/HeroBanner/herobanner.css?package=Bootstrap4&amp;v=MS4wLjAuMA%3d%3d" rel="stylesheet" type="text/css" /> 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/vue-2.6.12.min.js?package=Bootstrap4&amp;v=MTY2NTI5OTYxNg%3d%3d" integrity="sha256-VKfCTgEdaZVDFqM8vwC0n8Z+LtLLTBXw0vxqLBbOcNM=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/react.production.min.js?package=Bootstrap4&amp;v=MTA3NDE1Mzc1Nw%3d%3d" integrity="sha256-qW+vApK2fXxYYBHXiLVw6/W3l+KgjrRkS5oVRExchIg=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/react-dom.production.min.js?package=Bootstrap4&amp;v=MTA3NDE1Mzc1Nw%3d%3d" integrity="sha256-dbZSO7/loXB9V73HLC/P9/rGoItDvzwazkBMqzLF4Vk=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/simple-update-in.min.js?package=Bootstrap4&amp;v=MTA3NDE2MzcyMA%3d%3d" integrity="sha256-zAt/9cViiTPWMFPxFoVoqhGB9SADYlIcD/LzjHQE6sE=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/axios.min.js?package=Bootstrap4&amp;v=LTE5OTU2MDUyMTQ%3d" integrity="sha256-fSy6MS2ZCkMO2j9mLgEHn4DumhHbyHeeUBUuoT5oeBU=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/vuelidate.min.js?package=Bootstrap4&amp;v=MTY2NTI5OTYxNg%3d%3d" integrity="sha256-oET26Ho/gTJ31f0Q+0Yelcl6AmgqYWuCHf19oLIHr74=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/validators.min.js?package=Bootstrap4&amp;v=MTY2NTMxMjQxMg%3d%3d" integrity="sha256-IT2Ka2G7LNbuw9Q+iqC8GGP6YyhtFuAyCDTNzbztywQ=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/moment.min.js?package=Bootstrap4&amp;v=MzMxOTUyNTcw" integrity="sha256-fh+SAq73ufOQmJT1SjXfBbJq5CochF935GjjFG45Wb0=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/ScriptResource.axd?d=6DQe8ARl7A9TiuWej5ttCqqay3NhODP0Klj04e8TOW3X2Kbd4Cj3ypEorJO7vQHi1yQ8iusco5cSqC_aymlVjwmn7aN7UZwwtBw7eSdLR7Hmj4SkxoDcSZmxjrM3h19dmz_BPk5G_BO2U1xfiTuBDdtk54_3m17rJx2_BHXYQ_kERJhN0&amp;t=3db712cf" type="text/javascript"></script>
3<script src="/ScriptResource.axd?d=74FHISOx3fOPKwLxL0RMYh6nw3r5zU1SXSq7w-Y4fd4j9NALkvbQ-VmTtLMf0RkU_R8DxXkw3VUci7VlUcdRZIFOPX-eeaupS_EllRSBWv5T3rEhI0Pr1JmUP1jOZARFz8_Hu_t-uR3-T_wwkMcdfp2G2Tms98vG6fTkc6a-0dxFXwyY0&amp;t=3db712cf" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/pca.min.js?package=Bootstrap4&amp;v=MTY2NTMzNDg5Ng%3d%3d" integrity="sha256-NaAedvVwkr/XO4vKoLu67dv3Y+1pEhLRC5iYLc6aBuY=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/update.npm.full.js?package=Bootstrap4&amp;v=MTY2NjE0MTU1Mw%3d%3d" integrity="sha256-8+x3PVG5847h1WUHAN4G4//zam8Swb7pWpo25l2uOjU=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/browser-update-initialise.js?package=Bootstrap4&amp;v=MTY3Mjk4MTYzNA%3d%3d" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/eev.min.js?package=Bootstrap4&amp;v=MTY2NTE0MDQ3OA%3d%3d" integrity="sha256-tmfmv6JgzywHjOoNgZb82eOUXyq+8jtBGMioRYuWBS8=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/eev-initialise.js?package=Bootstrap4&amp;v=MTY3MjMxNjIxOA%3d%3d" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/helpful-hints.js?package=Bootstrap4&amp;v=LTQ2OTAxNzAwMQ%3d%3d" type="text/javascript"></script>
3 
3<script src="/ResourcePackages/Bootstrap4/assets/dist/js/vendors/toastr.min.js?package=Bootstrap4" integrity="sha256-ldqN9/OcVFZtetwyZMvgDHiiWga1hRgUiY2ML1BBLF0=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/webchat.js?package=Bootstrap4&amp;v=MTA3Njg5Mjk0Mw%3d%3d" integrity="sha256-3TAPI0OTJgR3Z7gMRI8VHab+aXHwSQCFVdlIEgeMOyE=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/components/icon-components/icons.min.js?package=Bootstrap4&amp;v=MTY2NjE3MDY2OQ%3d%3d" integrity="sha256-SLxUtscESEVfAut1KMDbMr0uymYDA+722TFA2tShNyo=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/purify.min.js?package=Bootstrap4&amp;v=MTY2NTMzNDg5Ng%3d%3d" integrity="sha256-NGSKBIaoOlKXrEWGTKje39MArBjKEmXqC6V5PHtObCs=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/jspdf.umd.min.js?package=Bootstrap4&amp;v=MTY2NTIxMDIyMg%3d%3d" integrity="sha256-FSu9aC9D/zoxTgBf+CoDrpxIgAWUngHc3ob5doIHUp8=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/components/icon-components/bf-button.min.js?package=Bootstrap4&amp;v=MTY2NjE3MDY2OQ%3d%3d" integrity="sha256-gq411wmOJNYUnU11reZCnLpJpoOv011ggQNljNKZzf8=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/ResourcePackages/Bootstrap4/assets/dist/js/vendors/crypto-js.min.js?package=Bootstrap4&amp;v=MTg0NTY5Mzg5OA%3d%3d" integrity="sha256-oSiWxJFhaZqKbFtUMY6H9P9A6ZvGBUvtzWCDAvlVfp8=" crossorigin="anonymous" type="text/javascript"></script>
3 
3<script>
4        Vue.use(window.vuelidate.default)
5    </script>
5 <meta property="og:title" content="Railways Pension Scheme" /><meta property="og:url" content="https://railwayspensions.co.uk" /><meta property="og:type" content="website" /><meta property="og:site_name" content="RPS" />
5<script type="text/javascript">
6    function checkAgent() {
7        //call function from template - then call function from page
8        let isIOS = /iPad|iPhone|iPod/.test(navigator.userAgent) && !window.MSStream;
9        let result = isIOS ? true : false;
10        var isSafari = navigator.vendor && navigator.vendor.indexOf('Apple') > -1 &&
11            navigator.userAgent &&
12            navigator.userAgent.indexOf('EdgiOS') == -1 &&
13            navigator.userAgent.indexOf('CriOS') == -1 &&
14            navigator.userAgent.indexOf('FxiOS') == -1;
15
16        if (result && !isSafari) {
17            document.getElementById("iostest").classList.remove("d-none");
18        }
19
20    }
21</script>
21<style type="text/css" media="all">.redesign-wrapper .media {
22    margin-block-end: 12px;
23}
24
25.redesign-wrapper .content-list-anchors ul{
26    text-indent:-1.625rem;
27    margin-left:1.625rem;
28}
29
30@media (min-width: 40rem){
31.redesign-wrapper .list-cta .video-content {
32max-width: 100%;
33}  
34}
35
36@media (max-width: 40rem){
37.redesign-wrapper .news-articles .news-card .thumb {
38    width: 90px;
39    height: 90px;
40}
41
42.redesign-wrapper .news-card article h5 {
43    margin-bottom:.5rem;
44}
45}
46
47
48/*for i'm new to the scheme page so boxes are same height*/
49.redesign-wrapper .full-height .list-cta {
50    height:100%;
51}
52
53
54/*formatted lifestyle calculator title*/
55.redesign-wrapper h2.lifestyle-title {
56    font-size: clamp(var(--fs-125), calc(1.05rem + 0.8vw), var(--fs-150));
57    font-weight: 600;
58  margin-bottom:0rem;
59}
60
61
62@media (min-width: 750px){
63.redesign-wrapper .hero-homepage .hero-homepage-bg-image  {
64	display:none;
65}  
66}
67
68.redesign-wrapper .headline-sub-text a{
69    font-size: var(--fs-125);
70}
71
72.redesign-wrapper .list-cta-content h4 a{
73    font-size: clamp(var(--fs-125), calc(1.05rem + 0.8vw), var(--fs-150));
74  
75
76
77</style><style type="text/css" media="all">.maintenancenoticebox {
78    margin-bottom: var(--size-200);
79    margin-top: 0rem;
80}
81
82/*no image on quick links fix*/
83.redesign-wrapper .grid-cols img {
84    height: 40px;
85    width: 40px;
86}
87
88@media (min-width: 40rem) {
89    .redesign-wrapper .grid-cols img {
90        height: 90px;
91        width: 90px;
92    }
93}
94
95.highlight-tint-grey-alt-25{
96 background-color:#F8F9FB;
97}
98
99.news-card i.clr-invert.fa-arrow-circle-right.fa-circle-arrow-right.fa-solid.fas {
100    color:var(--clr-tint-navy-100);
101}</style><style type="text/css" media="all">@media (max-width: 992px){
102.main-navigation .navigation-logo {
103    margin-bottom: 0px;
104    margin-top: 0px;
105}
106}</style>
106<script type="text/javascript">
107if (window.location.hostname == 'www.btppensions.co.uk'){
108var scriptc = document.createElement('script'); 
109scriptc.id = "cookieyes";
110scriptc.src="https://cdn-cookieyes.com/client_data/049b4b025b6526ca51b2a523/script.js";
111document.getElementsByTagName('head')[0].appendChild(scriptc);
112  
113var script = document.createElement('script');
114script.defer = true;
115script.dataset.domain = "btppensions.co.uk";
116script.dataset.api = "https://plausible.io/api/event";
117script.src = "https://plausible.io/js/script.file-downloads.js";
118document.getElementsByTagName('head')[0].appendChild(script);
119}
120
121if (window.location.hostname == 'www.railwayspensions.co.uk'){
122var scriptc = document.createElement('script'); 
123scriptc.id = "cookieyes";
124scriptc.src="https://cdn-cookieyes.com/client_data/c8ead5a27550fda0ef27cbda/script.js";
125document.getElementsByTagName('head')[0].appendChild(scriptc);
126 
127var script = document.createElement('script');
128script.defer = true;
129script.dataset.domain = "www.railwayspensions.co.uk";
130script.dataset.api = "https://plausible.io/api/event";
131script.src = "https://plausible.io/js/script.file-downloads.js";
132document.getElementsByTagName('head')[0].appendChild(script);
133}
134</script>
134<script type="text/javascript" src="/ResourcePackages/Bootstrap4/assets/dist/js/popper.min.js"></script>
134<link href="/ResourcePackages/FontAwesome/css/all.min.css" media="all" rel="stylesheet" type="text/css" />
134<script type="text/javascript">
135document.addEventListener("DOMContentLoaded", function () {
136  document.getElementById("year").textContent = new Date().getFullYear();
137});
138</script>
138<meta name="Generator" content="Sitefinity 15.4.8636.0 DX" /><link rel="canonical" href="https://railwayspensions.co.uk" /></head> <body class="rpmi-body"> 
138<script src="/ScriptResource.axd?d=6DQe8ARl7A9TiuWej5ttCqqay3NhODP0Klj04e8TOW3X2Kbd4Cj3ypEorJO7vQHi1yQ8iusco5cSqC_aymlVjwmn7aN7UZwwtBw7eSdLR7Hmj4SkxoDcSZmxjrM3h19dmz_BPk5G_BO2U1xfiTuBDdtk54_3m17rJx2_BHXYQ_kERJhN0&amp;t=3db712cf" type="text/javascript"></script>
138<script src="/ScriptResource.axd?d=74FHISOx3fOPKwLxL0RMYh6nw3r5zU1SXSq7w-Y4fd4j9NALkvbQ-VmTtLMf0RkU_R8DxXkw3VUci7VlUcdRZIFOPX-eeaupS_EllRSBWv5T3rEhI0Pr1JmUP1jOZARFz8_Hu_t-uR3-T_wwkMcdfp2G2Tms98vG6fTkc6a-0dxFXwyY0&amp;t=3db712cf" type="text/javascript"></script>
138<script src="/ResourcePackages/Bootstrap4/assets/dist/js/popper.min.js" type="text/javascript"></script>
138<script src="/ResourcePackages/Bootstrap4/assets/dist/js/bootstrap.min.js" type="text/javascript"></script>
138<script src="/Frontend-Assembly/RPMI.Addon.Common/Mvc/Scripts/MobileNavigation/mobile-navigation.js?package=Bootstrap4&amp;v=MjE0NTEyOTAyMA%3d%3d" type="text/javascript"></script>
138 <div class="container-fluid"> 
139
140
141<div class="main-navigation"><!--took out mb-4 -->
142    <div class="d-flex flex-row main-navigation-row pre-login-mw" data-sf-element="Row 1" data-placeholder-label="Row 1">
143        <div class="ml-2 navigation-logo-container">
144            <div id="Header_TE56E8B40050_Col00" class="sf_colsIn navigation-logo" data-sf-element="Logo Container" data-placeholder-label="Logo Container">
145    <a href="/home" title="Open image in original size">
146                <img loading="lazy" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/default-album/rps-logo.svg?sfvrsn=d3a036c6_0" title="RPS logo" alt="Railways Pension Scheme"
147         
148          />
149
150    </a>
151 
152
153            </div>
154        </div>
155        <div class="w-100 navigation-links-container">
156            <div class="d-flex flex-row ml-auto navigation-top" data-sf-element="Row 2" data-placeholder-label="Row 2">
157                <div id="Header_TE56E8B40050_Col01" class="sf_colsIn flex-grow-1 justify-content-end mr-3 d-none d-md-flex" data-sf-element="Top container 1" data-placeholder-label="Top container 1">
158
159
160
161
162
163<div>
164    <nav>
165        
166
167        <ul class="nav nav-pills">
168        <li class="nav-item">
169            <a class="nav-link " href="/about-us/accessibility" target="_self">Accessibility</a>
170        </li>
171        </ul>
172    </nav>
173</div>
174
175
176
177
178
179
180
181
182
183                </div>
184                <div id="Header_TE56E8B40050_Col02" class="sf_colsIn justify-content-end mr-3 d-none d-md-flex" data-sf-element="Top container 2" data-placeholder-label="Top container 2">
185
186
187
188
189
190<div>
191    <nav>
192        
193
194        <ul class="nav nav-pills">
195        <li class="nav-item">
196            <a class="nav-link " href="/help" target="_self">Help</a>
197        </li>
198        </ul>
199    </nav>
200</div>
201
202
203
204
205
206
207
208
209
210                </div>
211                <div id="Header_TE56E8B40050_Col03" class="sf_colsIn justify-content-end mr-3 d-none d-md-flex" data-sf-element="Top container 3" data-placeholder-label="Top container 3">
212<div class="pt-2" >
213    <div >Tel: 0800 012 1117</div>    
214</div>
215
216                </div>
217                <div id="Header_TE56E8B40050_Col04" class="sf_colsIn justify-content-end mr-3 d-none d-md-flex" data-sf-element="Top container 4" data-placeholder-label="Top container 4">
218
219
220
221
222
223<div>
224    <nav>
225        
226
227        <ul class="nav nav-pills">
228        </ul>
229    </nav>
230</div>
231
232
233
234
235
236
237
238
239
240                </div>
241                <div id="Header_TE56E8B40050_Col05" class="sf_colsIn mr-3 mr-sm-2 ml-auto" data-sf-element="Top container 5" data-placeholder-label="Top container 5">
242
243                </div>
244                <div id="Header_TE56E8B40050_Col06" class="sf_colsIn mr-3 mr-sm-2 task-count-container" data-sf-element="Top container 6" data-placeholder-label="Top container 6">
245
246                </div>
247                <div id="Header_TE56E8B40050_Col07" class="sf_colsIn mr-2 navigation-logout" data-sf-element="Top container 7" data-placeholder-label="Top container 7"><div id="Header_TE56E8B40055_Col00" class="sf_colsIn container d-none d-xl-block" data-sf-element="Container" data-placeholder-label="Container">
248
249
250
251
252
253<div>
254    <nav>
255        
256
257        <ul class="nav nav-pills">
258        <li class="nav-item">
259            <a class="nav-link " href="/login" target="_self">Log In / Register</a>
260        </li>
261        </ul>
262    </nav>
263</div>
264
265
266
267
268
269
270
271
272</div>
273
274
275
276
277<div class="d-flex mobile-nav flex-row-reverse d-none d-md-block d-lg-none">
278    <div class="d-inline-flex flex-column" id="menu-button">
279        <div class="d-flex justify-content-center">
280<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" role="img">
281    <title>Burger Menu Icon</title>
282    <path d="M0 0h24v24H0z" fill="none" /><path d="M3 18h18v-2H3v2zm0-5h18v-2H3v2zm0-7v2h18V6H3z" />
283</svg>
284        </div>
285        <p class="text-center small m-0">Menu</p>
286    </div>
287
288    <div class="mobile-nav-overlay" id="mobile-overlay">
289        <div class="mobile-nav-close" data-spec="exit-cross">
290<svg role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 352 512" role="img">
291    <title>Close Icon</title>
292    <path fill="currentColor" d="M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path>
293</svg>
294
295        </div>
296    </div>
297
298    <div class="flex-row mobile-nav-container" id="mobile-menu">
299
300        <div class="mt-3">
301                <a class="mobile-nav-button p-1 px-4 mx-4" href="https://www.railwayspensions.co.uk/login" data-spec="mobile-login-btn">Log In / Register</a>
302        </div>
303
304        <hr class="mobile-nav-hr m-3" />
305
306
307
308
309<div class="mobile-nav-item-level-1 py-3 px-5 d-flex justify-content-between collapsed " data-toggle="collapse" data-target="#collapse-container-632ea40c-4c34-4ff2-b510-88d104c56c16" data-parent="#mobile-menu" data-spec="nav-pension-essentials">
310    Pension essentials
311        <div class="mobile-nav-button-arrow">
312            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="level-1-chevron " />
313        </div>
314</div>
315
316<div id="collapse-container-632ea40c-4c34-4ff2-b510-88d104c56c16" class="mobile-nav-item-level-2-container collapse " data-parent="#mobile-menu">
317        <a href="https://www.railwayspensions.co.uk/pension-essentials/new-to-the-scheme" class="d-block py-2 pl-5 ">
318            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
319            <span class="mobile-nav-item-level-2 pl-1">I&#39;m new to the Scheme</span>
320        </a>
321        <a href="https://www.railwayspensions.co.uk/pension-essentials/10-things-about-pensions" class="d-block py-2 pl-5 ">
322            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
323            <span class="mobile-nav-item-level-2 pl-1">10 things to know about pensions&#160;</span>
324        </a>
325        <a href="https://www.railwayspensions.co.uk/pension-essentials/nominations" class="d-block py-2 pl-5 ">
326            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
326hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
327            <span class="mobile-nav-item-level-2 pl-1">Nominations for death benefits</span>
328        </a>
329        <a href="https://www.railwayspensions.co.uk/pension-essentials/saving-more" class="d-block py-2 pl-5 ">
330            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
331            <span class="mobile-nav-item-level-2 pl-1">Saving more&#160;</span>
332        </a>
333        <a href="https://www.railwayspensions.co.uk/pension-essentials/pension-tax-limits" class="d-block py-2 pl-5 ">
334            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
335            <span class="mobile-nav-item-level-2 pl-1">Pension tax limits</span>
336        </a>
337        <a href="https://www.railwayspensions.co.uk/pension-essentials/transferring-my-pension" class="d-block py-2 pl-5 ">
338            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
339            <span class="mobile-nav-item-level-2 pl-1">Transferring in or out</span>
340        </a>
341        <a href="https://www.railwayspensions.co.uk/pension-essentials/state-pension" class="d-block py-2 pl-5 ">
342            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
343            <span class="mobile-nav-item-level-2 pl-1">The State Pension</span>
344        </a>
345        <a href="https://www.railwayspensions.co.uk/pension-essentials/pension-scams" class="d-block py-2 pl-5 ">
346            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
347            <span class="mobile-nav-item-level-2 pl-1">Pension scams</span>
348        </a>
349        <a href="https://www.railwayspensions.co.uk/pension-essentials/divorceandmypension" class="d-block py-2 pl-5 ">
350            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
351            <span class="mobile-nav-item-level-2 pl-1">Divorce and my pension</span>
352        </a>
353        <a href="https://www.railwayspensions.co.uk/pension-essentials/guidance-advice" class="d-block py-2 pl-5 ">
354            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
355            <span class="mobile-nav-item-level-2 pl-1">Guidance and advice&#160;</span>
356        </a>
357
358</div>
359
360
361
362<div class="mobile-nav-item-level-1 py-3 px-5 d-flex justify-content-between collapsed " data-toggle="collapse" data-target="#collapse-container-20a6adae-5376-4152-92f2-576933f02946" data-parent="#mobile-menu" data-spec="nav-defined-benefit-members">
363    Defined benefit members
364        <div class="mobile-nav-button-arrow">
365            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="level-1-chevron " />
366        </div>
367</div>
368
369<div id="collapse-container-20a6adae-5376-4152-92f2-576933f02946" class="mobile-nav-item-level-2-container collapse " data-parent="#mobile-menu">
370        <a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working" class="d-block py-2 pl-5 ">
371            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
372            <span class="mobile-nav-item-level-2 pl-1">I&#39;m still working</span>
373        </a>
374            <div class="mobile-nav-item-level-3-container">
375<a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/joining-and-auto-enrolment" class="d-flex pl-5 " id="Joining and auto-enrolment&#160;">
376    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
377    <span class="mobile-nav-item-level-3 pl-2">Joining and auto-enrolment&#160;</span>
378</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/new-to-the-scheme" class="d-flex pl-5 " id="I&#39;m new to the Scheme">
379    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
380    <span class="mobile-nav-item-level-3 pl-2">I&#39;m new to the Scheme</span>
381</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/membership-benefits" class="d-flex pl-5 " id="Benefits of my membership">
382    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
383    <span class="mobile-nav-item-level-3 pl-2">Benefits of my membership</span>
384</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/my-payments" class="d-flex pl-5 " id="My payments">
385    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
386    <span class="mobile-nav-item-level-3 pl-2">My payments</span>
387</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/saving-more" class="d-flex pl-5 " id="Saving more">
388    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
389    <span class="mobile-nav-item-level-3 pl-2">Saving more</span>
390</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/changes-to-circumstances" class="d-flex pl-5 " id="My circumstances have changed">
391    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
392    <span class="mobile-nav-item-level-3 pl-2">My circumstances have changed</span>
393</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/severance-redundancy" class="d-flex pl-5 " id="Severance and redundancy">
394    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
395    <span class="mobile-nav-item-level-3 pl-2">Severance and redundancy</span>
396</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/im-still-working/leaving-the-scheme" class="d-flex pl-5 " id="Leaving the Scheme and opting-out">
397    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
398    <span class="mobile-nav-item-level-3 pl-2">Leaving the Scheme and opting-out</span>
399</a>            </div>
400        <a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension" class="d-block py-2 pl-5 ">
401            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
402            <span class="mobile-nav-item-level-2 pl-1">I&#39;m planning to take my pension</span>
403        </a>
404            <div class="mobile-nav-item-level-3-container">
405<a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/how-much-Ill-need" class="d-flex pl-5 " id="How much I&#39;ll need for retirement&#160;">
406    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
406hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
407    <span class="mobile-nav-item-level-3 pl-2">How much I&#39;ll need for retirement&#160;</span>
408</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/when-to-retire" class="d-flex pl-5 " id="When to retire&#160;">
409    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
410    <span class="mobile-nav-item-level-3 pl-2">When to retire&#160;</span>
411</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/staying-in-work" class="d-flex pl-5 " id="Staying in work">
412    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
413    <span class="mobile-nav-item-level-3 pl-2">Staying in work</span>
414</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/ways-to-take-my-pension" class="d-flex pl-5 " id="Ways to take my pension&#160;">
415    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
416    <span class="mobile-nav-item-level-3 pl-2">Ways to take my pension&#160;</span>
417</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/making-the-right-decision" class="d-flex pl-5 " id="Making the right decision">
418    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
419    <span class="mobile-nav-item-level-3 pl-2">Making the right decision</span>
420</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/applying-for-my-pension" class="d-flex pl-5 " id="Applying for my pension">
421    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
422    <span class="mobile-nav-item-level-3 pl-2">Applying for my pension</span>
423</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/transferring-my-pension" class="d-flex pl-5 " id="Transferring my pension">
424    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
425    <span class="mobile-nav-item-level-3 pl-2">Transferring my pension</span>
426</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/guidance-and-advice" class="d-flex pl-5 " id="Guidance and advice">
427    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
428    <span class="mobile-nav-item-level-3 pl-2">Guidance and advice</span>
429</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-planning-to-take-my-pension/watch-out-for-pension-scams" class="d-flex pl-5 " id="Watch out for pension scams">
430    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
431    <span class="mobile-nav-item-level-3 pl-2">Watch out for pension scams</span>
432</a>            </div>
433        <a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension" class="d-block py-2 pl-5 ">
434            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
435            <span class="mobile-nav-item-level-2 pl-1">I&#39;m already taking my pension</span>
436        </a>
437            <div class="mobile-nav-item-level-3-container">
438<a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/pension-payments-and-p60s" class="d-flex pl-5 " id="My pension payments and P60s">
439    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
440    <span class="mobile-nav-item-level-3 pl-2">My pension payments and P60s</span>
441</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/annual-pension-increase" class="d-flex pl-5 " id="Annual pension increase">
442    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
443    <span class="mobile-nav-item-level-3 pl-2">Annual pension increase</span>
444</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/my-pension-when-I-die" class="d-flex pl-5 " id="My pension when I die">
445    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
446    <span class="mobile-nav-item-level-3 pl-2">My pension when I die</span>
447</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/working-after-pension" class="d-flex pl-5 " id="Working after I take my pension">
448    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
449    <span class="mobile-nav-item-level-3 pl-2">Working after I take my pension</span>
450</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/the-state-pension" class="d-flex pl-5 " id="The State Pension">
451    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
452    <span class="mobile-nav-item-level-3 pl-2">The State Pension</span>
453</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/useful-contacts" class="d-flex pl-5 " id="Useful contacts">
454    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
455    <span class="mobile-nav-item-level-3 pl-2">Useful contacts</span>
456</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/penfriend" class="d-flex pl-5 " id="Penfriend">
457    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
458    <span class="mobile-nav-item-level-3 pl-2">Penfriend</span>
459</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/Im-taking-my-pension/update-my-bank-details" class="d-flex pl-5 " id="Updating my bank details">
460    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
461    <span class="mobile-nav-item-level-3 pl-2">Updating my bank details</span>
462</a>            </div>
463        <a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra" class="d-block py-2 pl-5 ">
464            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
465            <span class="mobile-nav-item-level-2 pl-1">Saving more with BRASS or AVC Extra</span>
466        </a>
467            <div class="mobile-nav-item-level-3-container">
468<a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/saving-more-with-BRASS" class="d-flex pl-5 " id="Saving more with BRASS">
469    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
469hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
470    <span class="mobile-nav-item-level-3 pl-2">Saving more with BRASS</span>
471</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/managing-my-BRASS" class="d-flex pl-5 " id="Managing my BRASS">
472    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
473    <span class="mobile-nav-item-level-3 pl-2">Managing my BRASS</span>
474</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/save-more-AVC-Extra" class="d-flex pl-5 " id="Saving more with AVC Extra">
475    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
476    <span class="mobile-nav-item-level-3 pl-2">Saving more with AVC Extra</span>
477</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/managing-AVC-Extra" class="d-flex pl-5 " id="Managing my AVC Extra">
478    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
479    <span class="mobile-nav-item-level-3 pl-2">Managing my AVC Extra</span>
480</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/the-basics-of-investments" class="d-flex pl-5 " id="Investing: the basics I need to know">
481    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
482    <span class="mobile-nav-item-level-3 pl-2">Investing: the basics I need to know</span>
483</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/brass-fund-choices" class="d-flex pl-5 " id="BRASS fund choices">
484    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
485    <span class="mobile-nav-item-level-3 pl-2">BRASS fund choices</span>
486</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/avc-extra-fund-choices" class="d-flex pl-5 " id="AVC Extra fund choices">
487    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
488    <span class="mobile-nav-item-level-3 pl-2">AVC Extra fund choices</span>
489</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/fund-prices-performance" class="d-flex pl-5 " id="Fund prices and performance">
490    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
491    <span class="mobile-nav-item-level-3 pl-2">Fund prices and performance</span>
492</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/risk-ratings" class="d-flex pl-5 " id="Fund risk ratings">
493    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
494    <span class="mobile-nav-item-level-3 pl-2">Fund risk ratings</span>
495</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/taking-my-BRASS" class="d-flex pl-5 " id="Taking my BRASS">
496    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
497    <span class="mobile-nav-item-level-3 pl-2">Taking my BRASS</span>
498</a><a href="https://www.railwayspensions.co.uk/defined-benefit-members/saving-more-BRASS-AVC-Extra/taking-AVC-Extra" class="d-flex pl-5 " id="Taking my AVC Extra">
499    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
499hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
500    <span class="mobile-nav-item-level-3 pl-2">Taking my AVC Extra</span>
501</a>            </div>
502
503</div>
504
505
506
507<div class="mobile-nav-item-level-1 py-3 px-5 d-flex justify-content-between collapsed " data-toggle="collapse" data-target="#collapse-container-7a47a2da-0cca-458c-b60d-9219455ae527" data-parent="#mobile-menu" data-spec="nav-iwdc-members">
508    IWDC members
509        <div class="mobile-nav-button-arrow">
510            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="level-1-chevron " />
511        </div>
512</div>
513
514<div id="collapse-container-7a47a2da-0cca-458c-b60d-9219455ae527" class="mobile-nav-item-level-2-container collapse " data-parent="#mobile-menu">
515        <a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working" class="d-block py-2 pl-5 ">
516            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
517            <span class="mobile-nav-item-level-2 pl-1">I&#39;m still working</span>
518        </a>
519            <div class="mobile-nav-item-level-3-container">
520<a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/joining-and-auto-enrolment" class="d-flex pl-5 " id="Joining and auto-enrolment">
521    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
522    <span class="mobile-nav-item-level-3 pl-2">Joining and auto-enrolment</span>
523</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/new-to-the-scheme" class="d-flex pl-5 " id="I&#39;m new to the Scheme">
524    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
525    <span class="mobile-nav-item-level-3 pl-2">I&#39;m new to the Scheme</span>
526</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/how-the-IWDC-section-works" class="d-flex pl-5 " id="How the IWDC Section works&#160;">
527    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
528    <span class="mobile-nav-item-level-3 pl-2">How the IWDC Section works&#160;</span>
529</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/membership-benefits" class="d-flex pl-5 " id="Benefits of my membership">
530    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
531    <span class="mobile-nav-item-level-3 pl-2">Benefits of my membership</span>
532</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/my-payments" class="d-flex pl-5 " id="My payments">
533    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
534    <span class="mobile-nav-item-level-3 pl-2">My payments</span>
535</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/saving-more" class="d-flex pl-5 " id="Saving more">
536    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
537    <span class="mobile-nav-item-level-3 pl-2">Saving more</span>
538</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/changes-to-circumstances" class="d-flex pl-5 " id="My circumstances have changed">
539    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
539hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
540    <span class="mobile-nav-item-level-3 pl-2">My circumstances have changed</span>
541</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/severance-redundancy" class="d-flex pl-5 " id="Severance and redundancy">
542    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
543    <span class="mobile-nav-item-level-3 pl-2">Severance and redundancy</span>
544</a><a href="https://www.railwayspensions.co.uk/iwdc-members/Im-still-working/leaving-the-scheme" class="d-flex pl-5 " id="Leaving the Scheme and opting out">
545    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
546    <span class="mobile-nav-item-level-3 pl-2">Leaving the Scheme and opting out</span>
547</a>            </div>
548        <a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments" class="d-block py-2 pl-5 ">
549            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
550            <span class="mobile-nav-item-level-2 pl-1">Managing my investments&#160;</span>
551        </a>
552            <div class="mobile-nav-item-level-3-container">
553<a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments/investing--the-basics-i-need-to-know" class="d-flex pl-5 " id="Investing: the basics I need to know">
554    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
555    <span class="mobile-nav-item-level-3 pl-2">Investing: the basics I need to know</span>
556</a><a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments/fund-choices" class="d-flex pl-5 " id="My fund choices">
557    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
558    <span class="mobile-nav-item-level-3 pl-2">My fund choices</span>
559</a><a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments/risk-ratings" class="d-flex pl-5 " id="Fund risk ratings">
560    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
561    <span class="mobile-nav-item-level-3 pl-2">Fund risk ratings</span>
562</a><a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments/fund-prices-and-performance" class="d-flex pl-5 " id="Fund prices and performance">
563    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
564    <span class="mobile-nav-item-level-3 pl-2">Fund prices and performance</span>
565</a><a href="https://www.railwayspensions.co.uk/iwdc-members/managing-investments/target-retirement-age" class="d-flex pl-5 " id="My Target Retirement Age">
566    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
567    <span class="mobile-nav-item-level-3 pl-2">My Target Retirement Age</span>
568</a>            </div>
569        <a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot" class="d-block py-2 pl-5 ">
570            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
571            <span class="mobile-nav-item-level-2 pl-1">I&#39;m planning to take my IWDC pot</span>
572        </a>
573            <div class="mobile-nav-item-level-3-container">
574<a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/how-much-ill-need" class="d-flex pl-5 " id="How much I&#39;ll need for retirement">
575    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
576    <span class="mobile-nav-item-level-3 pl-2">How much I&#39;ll need for retirement</span>
577</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/when-to-retire" class="d-flex pl-5 " id="When to retire">
578    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
579    <span class="mobile-nav-item-level-3 pl-2">When to retire</span>
580</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/staying-in-work" class="d-flex pl-5 " id="Staying in work">
581    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
582    <span class="mobile-nav-item-level-3 pl-2">Staying in work</span>
583</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/how-i-can-take-my-iwdc-pot" class="d-flex pl-5 " id="How I can take my IWDC pot">
584    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
585    <span class="mobile-nav-item-level-3 pl-2">How I can take my IWDC pot</span>
586</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-drawdown" class="d-flex pl-5 " id="Understanding drawdown">
587    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
588    <span class="mobile-nav-item-level-3 pl-2">Understanding drawdown</span>
589</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-annuities" class="d-flex pl-5 " id="Understanding annuities">
590    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
591    <span class="mobile-nav-item-level-3 pl-2">Understanding annuities</span>
592</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-encashment" class="d-flex pl-5 " id="Understanding encashment">
593    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
594    <span class="mobile-nav-item-level-3 pl-2">Understanding encashment</span>
595</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/making-the-right-decision" class="d-flex pl-5 " id="Making the right decision">
596    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
597    <span class="mobile-nav-item-level-3 pl-2">Making the right decision</span>
598</a><a href="https://www.railwayspensions.co.uk/iwdc-members/im-planning-to-take-my-iwdc-pot/applying-to-take-my-iwdc-pot" class="d-flex pl-5 " id="Applying to take my IWDC pot">
599    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
600    <span class="mobile-nav-item-level-3 pl-2">Applying to take my IWDC pot</span>
601</a>            </div>
602
603</div>
604
605
606
607<div class="mobile-nav-item-level-1 py-3 px-5 d-flex justify-content-between collapsed " data-toggle="collapse" data-target="#collapse-container-7ffc3442-85f0-47b2-9331-862a474955e3" data-parent="#mobile-menu" data-spec="nav-knowledge-hub">
608    Knowledge hub
609        <div class="mobile-nav-button-arrow">
610            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
610hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="level-1-chevron " />
611        </div>
612</div>
613
614<div id="collapse-container-7ffc3442-85f0-47b2-9331-862a474955e3" class="mobile-nav-item-level-2-container collapse " data-parent="#mobile-menu">
615        <a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support" class="d-block py-2 pl-5 ">
616            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
617            <span class="mobile-nav-item-level-2 pl-1">Help and Support</span>
618        </a>
619            <div class="mobile-nav-item-level-3-container">
620<a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/retirement-budgeting-calculator" class="d-flex pl-5 " id="Retirement Budgeting Calculator">
621    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
622    <span class="mobile-nav-item-level-3 pl-2">Retirement Budgeting Calculator</span>
623</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/RAYN" class="d-flex pl-5 " id="Read as You Need guides">
624    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
625    <span class="mobile-nav-item-level-3 pl-2">Read as You Need guides</span>
626</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/video-library" class="d-flex pl-5 " id="Video library">
627    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
628    <span class="mobile-nav-item-level-3 pl-2">Video library</span>
629</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/glossary" class="d-flex pl-5 " id="Glossary">
630    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
631    <span class="mobile-nav-item-level-3 pl-2">Glossary</span>
632</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/faqs" class="d-flex pl-5 " id="FAQs">
633    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
634    <span class="mobile-nav-item-level-3 pl-2">FAQs</span>
635</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/db-member-forms" class="d-flex pl-5 " id="DB member forms">
636    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
637    <span class="mobile-nav-item-level-3 pl-2">DB member forms</span>
638</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/iwdc-member-forms" class="d-flex pl-5 " id="IWDC member forms">
639    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
640    <span class="mobile-nav-item-level-3 pl-2">IWDC member forms</span>
641</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/get-in-touch" class="d-flex pl-5 " id="Get in touch">
642    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
643    <span class="mobile-nav-item-level-3 pl-2">Get in touch</span>
644</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/reporting-a-death" class="d-flex pl-5 " id="Reporting the death of an RPS member">
645    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
645hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
646    <span class="mobile-nav-item-level-3 pl-2">Reporting the death of an RPS member</span>
647</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/making-a-complaint" class="d-flex pl-5 " id="How to give us feedback or make a complaint">
648    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
649    <span class="mobile-nav-item-level-3 pl-2">How to give us feedback or make a complaint</span>
650</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/communication-preferences" class="d-flex pl-5 " id="My communication preferences">
651    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
652    <span class="mobile-nav-item-level-3 pl-2">My communication preferences</span>
653</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/financial-wellness-support" class="d-flex pl-5 " id="Financial wellness support&#160;">
654    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
655    <span class="mobile-nav-item-level-3 pl-2">Financial wellness support&#160;</span>
656</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/help-and-support/pension-webinars" class="d-flex pl-5 " id="Pension webinars">
657    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
658    <span class="mobile-nav-item-level-3 pl-2">Pension webinars</span>
659</a>            </div>
660        <a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views" class="d-block py-2 pl-5 ">
661            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
662            <span class="mobile-nav-item-level-2 pl-1">News and views&#160;</span>
663        </a>
664            <div class="mobile-nav-item-level-3-container">
665<a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/news-update" class="d-flex pl-5 " id="News updates">
666    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
667    <span class="mobile-nav-item-level-3 pl-2">News updates</span>
668</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/newsletters" class="d-flex pl-5 " id="Newsletters">
669    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
670    <span class="mobile-nav-item-level-3 pl-2">Newsletters</span>
671</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/blogs" class="d-flex pl-5 " id="Blog">
672    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
673    <span class="mobile-nav-item-level-3 pl-2">Blog</span>
674</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/platform" class="d-flex pl-5 " id="Have your say with Platform">
675    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
676    <span class="mobile-nav-item-level-3 pl-2">Have your say with Platform</span>
677</a>            </div>
678        <a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme" class="d-block py-2 pl-5 ">
679            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
679hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
680            <span class="mobile-nav-item-level-2 pl-1">About the Scheme</span>
681        </a>
682            <div class="mobile-nav-item-level-3-container">
683<a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme/scheme-documents" class="d-flex pl-5 " id="Scheme documents&#160;">
684    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
685    <span class="mobile-nav-item-level-3 pl-2">Scheme documents&#160;</span>
686</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme/valuation" class="d-flex pl-5 " id="Valuation">
687    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
688    <span class="mobile-nav-item-level-3 pl-2">Valuation</span>
689</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/the-trustee" class="d-flex pl-5 " id="The Trustee">
690    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
691    <span class="mobile-nav-item-level-3 pl-2">The Trustee</span>
692</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme/30th-anniversary" class="d-flex pl-5 " id="30th anniversary">
693    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
694    <span class="mobile-nav-item-level-3 pl-2">30th anniversary</span>
695</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme/tracing-our-members" class="d-flex pl-5 " id="Tracing our members">
696    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
697    <span class="mobile-nav-item-level-3 pl-2">Tracing our members</span>
698</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/about-the-scheme/200-years-of-rail" class="d-flex pl-5 " id="200 years of rail">
699    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
700    <span class="mobile-nav-item-level-3 pl-2">200 years of rail</span>
701</a>            </div>
702        <a href="https://www.railwayspensions.co.uk/knowledge-hub/investments" class="d-block py-2 pl-5 ">
703            <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
704            <span class="mobile-nav-item-level-2 pl-1">Investments</span>
705        </a>
706            <div class="mobile-nav-item-level-3-container">
707<a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/our-approach-to-investing" class="d-flex pl-5 " id="Our approach to investing&#160;">
708    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
709    <span class="mobile-nav-item-level-3 pl-2">Our approach to investing&#160;</span>
710</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/where-we-invest" class="d-flex pl-5 " id="Where we invest">
711    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
712    <span class="mobile-nav-item-level-3 pl-2">Where we invest</span>
713</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/investment-reports" class="d-flex pl-5 " id="Investment reports">
714    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
714hevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
715    <span class="mobile-nav-item-level-3 pl-2">Investment reports</span>
716</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/sustainable-ownership" class="d-flex pl-5 " id="Sustainable ownership">
717    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
718    <span class="mobile-nav-item-level-3 pl-2">Sustainable ownership</span>
719</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/investments-glossary" class="d-flex pl-5 " id="Investments glossary">
720    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
721    <span class="mobile-nav-item-level-3 pl-2">Investments glossary</span>
722</a><a href="https://www.railwayspensions.co.uk/knowledge-hub/investments/sustainable-ownership-blog" class="d-flex pl-5 " id="Sustainable Ownership blogs">
723    <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-right-white.svg?package=Bootstrap4" alt="Chevron Down Icon" class="ml-2 selected-page-chevron none-selected-page-chevron" />
724    <span class="mobile-nav-item-level-3 pl-2">Sustainable Ownership blogs</span>
725</a>            </div>
726
727</div>
728
729    </div>
730</div>
731
732<script>
733    (function () {
734        new MobileNavigation();
735    })();
736</script>
736
737
738
739                </div>
740            </div>
741            <div class="flex-row mt-4 bottom-navigation-row" data-sf-element="Row 3" data-placeholder-label="Row 3">
742                <div id="Header_TE56E8B40050_Col08" class="sf_colsIn d-flex mr-auto align-bottom bottom-navigation" data-sf-element="Bottom Navigation" data-placeholder-label="Bottom Navigation">
743
744
745<div class="">
746    <nav class="mega-menu-rd">
747        
748
749        <ul class="nav nav-pills chevron-nav-pills">
750        <li class="nav-item dropdown abs chevron-dropdown">
751            <a class="nav-link chevron-nav-link chevron-dropdown-toggle " data-toggle="dropdown" data-spec="pension-essentials" href="#" role="button" aria-haspopup="true" aria-expanded="false">Pension essentials <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-down.svg" alt="Chevron Down Icon" class="rpmi-icon header-nav-chevron" /></a>
752            <div class="mega-drop dropdown-menu animate slideIn chevron-dropdown-menu">
753                            <div>
754                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/new-to-the-scheme" target="_self">I&#39;m new to the Scheme</a></h5>
755                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/10-things-about-pensions" target="_self">10 things to know about pensions&#160;</a></h5>
756                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/nominations" target="_self">Nominations for death benefits</a></h5>
757                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/saving-more" target="_self">Saving more&#160;</a></h5>
758                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/pension-tax-limits" target="_self">Pension tax limits</a></h5>
759                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/transferring-my-pension" target="_self">Transferring in or out</a></h5>
760                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/state-pension" target="_self">The State Pension</a></h5>
761                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/pension-scams" target="_self">Pension scams</a></h5>
762            </div>
763            <div>
764                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/divorceandmypension" target="_self">Divorce and my pension</a></h5>
765                <h5><a class="dropdown-item parent-node chevron-dropdown-item " href="/pension-essentials/guidance-advice" target="_self">Guidance and advice&#160;</a></h5>
766            </div>
767
768            </div>
769        </li>
770        </ul>
771    </nav>
772</div>
773
774
775
776
777
778
779
780
781
782
783
784
785
786<div class="">
787    <nav class="mega-menu-rd">
788        
789
790        <ul class="nav nav-pills chevron-nav-pills">
791        <li class="nav-item dropdown abs chevron-dropdown">
792            <a class="nav-link chevron-nav-link chevron-dropdown-toggle " data-toggle="dropdown" data-spec="defined-benefit-members" href="#" role="button" aria-haspopup="true" aria-expanded="false">Defined benefit members <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-down.svg" alt="Chevron Down Icon" class="rpmi-icon header-nav-chevron" /></a>
793            <div class="mega-drop dropdown-menu animate slideIn chevron-dropdown-menu">
794                            <div>
795                <h5><a class="dropdown-item parent-node " href="/defined-benefit-members/im-still-working" target="_self">I&#39;m still working </a></h5>
796                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/joining-and-auto-enrolment" target="_self">Joining and auto-enrolment&#160;</a>
797                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/new-to-the-scheme" target="_self">I&#39;m new to the Scheme</a>
798                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/membership-benefits" target="_self">Benefits of my membership</a>
799                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/my-payments" target="_self">My payments</a>
800                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/saving-more" target="_self">Saving more</a>
801                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/changes-to-circumstances" target="_self">My circumstances have changed</a>
802                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/severance-redundancy" target="_self">Severance and redundancy</a>
803                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/leaving-the-scheme" target="_self">Leaving the Scheme and opting-out</a>
804            </div>
805            <div>
806                <h5><a class="dropdown-item parent-node " href="/defined-benefit-members/Im-planning-to-take-my-pension" target="_self">I&#39;m planning to take my pension </a></h5>
807                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/how-much-Ill-need" target="_self">How much I&#39;ll need for retirement&#160;</a>
808                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/when-to-retire" target="_self">When to retire&#160;</a>
809                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/staying-in-work" target="_self">Staying in work</a>
810                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/ways-to-take-my-pension" target="_self">Ways to take my pension&#160;</a>
811                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/making-the-right-decision" target="_self">Making the right decision</a>
812                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/applying-for-my-pension" target="_self">Applying for my pension</a>
813                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/transferring-my-pension" target="_self">Transferring my pension</a>
814                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/guidance-and-advice" target="_self">Guidance and advice</a>
815                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-planning-to-take-my-pension/watch-out-for-pension-scams" target="_self">Watch out for pension scams</a>
816            </div>
817            <div>
818                <h5><a class="dropdown-item parent-node " href="/defined-benefit-members/Im-taking-my-pension" target="_self">I&#39;m already taking my pension </a></h5>
819                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/pension-payments-and-p60s" target="_self">My pension payments and P60s</a>
820                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/annual-pension-increase" target="_self">Annual pension increase</a>
821                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/my-pension-when-I-die" target="_self">
821My pension when I die</a>
822                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/working-after-pension" target="_self">Working after I take my pension</a>
823                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/the-state-pension" target="_self">The State Pension</a>
824                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/useful-contacts" target="_self">Useful contacts</a>
825                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/penfriend" target="_self">Penfriend</a>
826                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/Im-taking-my-pension/update-my-bank-details" target="_self">Updating my bank details</a>
827            </div>
828            <div>
829                <h5><a class="dropdown-item parent-node " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra" target="_self">Saving more with BRASS or AVC Extra </a></h5>
830                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/saving-more-with-BRASS" target="_self">Saving more with BRASS</a>
831                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/managing-my-BRASS" target="_self">Managing my BRASS</a>
832                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/save-more-AVC-Extra" target="_self">Saving more with AVC Extra</a>
833                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/managing-AVC-Extra" target="_self">Managing my AVC Extra</a>
834                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/the-basics-of-investments" target="_self">Investing: the basics I need to know</a>
835                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/brass-fund-choices" target="_self">BRASS fund choices</a>
836                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/avc-extra-fund-choices" target="_self">AVC Extra fund choices</a>
837                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/fund-prices-performance" target="_self">Fund prices and performance</a>
838                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/risk-ratings" target="_self">Fund risk ratings</a>
839                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/taking-my-BRASS" target="_self">Taking my BRASS</a>
840                    <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/saving-more-BRASS-AVC-Extra/taking-AVC-Extra" target="_self">Taking my AVC Extra</a>
841            </div>
842
843            </div>
844        </li>
845        </ul>
846    </nav>
847</div>
848
849
850
851
852
853
854
855
856
857
858
859
860
861
862<div class="">
863    <nav class="mega-menu-rd">
864        
865
866        <ul class="nav nav-pills chevron-nav-pills">
867        <li class="nav-item dropdown abs chevron-dropdown">
868            <a class="nav-link chevron-nav-link chevron-dropdown-toggle " data-toggle="dropdown" data-spec="iwdc-members" href="#" role="button" aria-haspopup="true" aria-expanded="false">IWDC members <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-down.svg" alt="Chevron Down Icon" class="rpmi-icon header-nav-chevron" /></a>
869            <div class="mega-drop dropdown-menu animate slideIn chevron-dropdown-menu">
870                            <div>
871                <h5><a class="dropdown-item parent-node " href="/iwdc-members/Im-still-working" target="_self">I&#39;m still working </a></h5>
872                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/joining-and-auto-enrolment" target="_self">Joining and auto-enrolment</a>
873                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/new-to-the-scheme" target="_self">I&#39;m new to the Scheme</a>
874                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/how-the-IWDC-section-works" target="_self">How the IWDC Section works&#160;</a>
875                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/membership-benefits" target="_self">Benefits of my membership</a>
876                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/my-payments" target="_self">My payments</a>
877                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/saving-more" target="_self">Saving more</a>
878                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/changes-to-circumstances" target="_self">My circumstances have changed</a>
879                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/severance-redundancy" target="_self">Severance and redundancy</a>
880                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/Im-still-working/leaving-the-scheme" target="_self">Leaving the Scheme and opting out</a>
881            </div>
882            <div>
883                <h5><a class="dropdown-item parent-node " href="/iwdc-members/managing-investments" target="_self">Managing my investments&#160; </a></h5>
884                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/managing-investments/investing--the-basics-i-need-to-know" target="_self">Investing: the basics I need to know</a>
885                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/managing-investments/fund-choices" target="_self">My fund choices</a>
886                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/managing-investments/risk-ratings" target="_self">Fund risk ratings</a>
887                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/managing-investments/fund-prices-and-performance" target="_self">Fund prices and performance</a>
888                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/managing-investments/target-retirement-age" target="_self">My Target Retirement Age</a>
889            </div>
890            <div>
891                <h5><a class="dropdown-item parent-node " href="/iwdc-members/im-planning-to-take-my-iwdc-pot" target="_self">I&#39;m planning to take my IWDC pot </a></h5>
892                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/how-much-ill-need" target="_self">How much I&#39;ll need for retirement</a>
893                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/when-to-retire" target="_self">When to retire</a>
894                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/staying-in-work" target="_self">Staying in work</a>
895                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/how-i-can-take-my-iwdc-pot" target="_self">How I can take my IWDC pot</a>
896                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-drawdown" target="_self">Understanding drawdown</a>
897                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-annuities" target="_self">Understanding annuities</a>
898                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/understanding-encashment" target="_self">Understanding encashment</a>
899                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/making-the-right-decision" target="_self">Making the right decision</a>
900                    <a class="dropdown-item chevron-dropdown-item " href="/iwdc-members/im-planning-to-take-my-iwdc-pot/applying-to-take-my-iwdc-pot" target="_self">Applying to take my IWDC pot</a>
901            </div>
902
903            </div>
904        </li>
905        </ul>
906    </nav>
907</div>
908
909
910
911
912
913
914
915
916
917
918
919
920
921<div class="">
922    <nav class="mega-menu-rd">
923        
924
925        <ul class="nav nav-pills chevron-nav-pills">
926        <li class="nav-item dropdown abs chevron-dropdown">
927            <a class="nav-link chevron-nav-link chevron-dropdown-toggle " data-toggle="dropdown" data-spec="knowledge-hub" href="#" role="button" aria-haspopup="true" aria-expanded="false">Knowledge hub <img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/c
927hevron-down.svg" alt="Chevron Down Icon" class="rpmi-icon header-nav-chevron" /></a>
928            <div class="mega-drop dropdown-menu animate slideIn chevron-dropdown-menu">
929                            <div>
930                <h5><a class="dropdown-item parent-node " href="/knowledge-hub/help-and-support" target="_self">Help and Support </a></h5>
931                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/retirement-budgeting-calculator" target="_self">Retirement Budgeting Calculator</a>
932                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/RAYN" target="_self">Read as You Need guides</a>
933                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/video-library" target="_self">Video library</a>
934                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/glossary" target="_self">Glossary</a>
935                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/faqs" target="_self">FAQs</a>
936                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/db-member-forms" target="_self">DB member forms</a>
937                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/iwdc-member-forms" target="_self">IWDC member forms</a>
938                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/get-in-touch" target="_self">Get in touch</a>
939                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/reporting-a-death" target="_self">Reporting the death of an RPS member</a>
940                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/making-a-complaint" target="_self">How to give us feedback or make a complaint</a>
941                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/communication-preferences" target="_self">My communication preferences</a>
942                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/financial-wellness-support" target="_self">Financial wellness support&#160;</a>
943                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/help-and-support/pension-webinars" target="_self">Pension webinars</a>
944            </div>
945            <div>
946                <h5><a class="dropdown-item parent-node " href="/knowledge-hub/news-and-views" target="_self">News and views&#160; </a></h5>
947                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/news-and-views/news-update" target="_self">News updates</a>
948                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/news-and-views/newsletters" target="_self">Newsletters</a>
949                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/news-and-views/blogs" target="_self">Blog</a>
950                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/news-and-views/platform" target="_self">Have your say with Platform</a>
951            </div>
952            <div>
953                <h5><a class="dropdown-item parent-node " href="/knowledge-hub/about-the-scheme" target="_self">About the Scheme </a></h5>
954                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/about-the-scheme/scheme-documents" target="_self">Scheme documents&#160;</a>
955                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/about-the-scheme/valuation" target="_self">Valuation</a>
956                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/the-trustee" target="_self">The Trustee</a>
957                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/about-the-scheme/30th-anniversary" target="_self">30th anniversary</a>
958                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/about-the-scheme/tracing-our-members" target="_self">Tracing our members</a>
959                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/about-the-scheme/200-years-of-rail" target="_self">200 years of rail</a>
960            </div>
961            <div>
962                <h5><a class="dropdown-item parent-node " href="/knowledge-hub/investments" target="_self">Investments </a></h5>
963                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/our-approach-to-investing" target="_self">Our approach to investing&#160;</a>
964                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/where-we-invest" target="_self">Where we invest</a>
965                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/investment-reports" target="_self">Investment reports</a>
966                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/sustainable-ownership" target="_self">Sustainable ownership</a>
967                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/investments-glossary" target="_self">Investments glossary</a>
968                    <a class="dropdown-item chevron-dropdown-item " href="/knowledge-hub/investments/sustainable-ownership-blog" target="_self">Sustainable Ownership blogs</a>
969            </div>
970
971            </div>
972        </li>
973        </ul>
974    </nav>
975</div>
976
977
978
979
980
981
982
983
984
985
986
987                </div>
988                <div id="Header_TE56E8B40050_Col09" class="sf_colsIn align-bottom mr-4 my-rps-navigation" data-sf-element="My RPS Navigation" data-placeholder-label="My RPS Navigation">
989
990                </div>
991            </div>
992        </div>
993    </div>
994</div>
995
996
997
998 
999
1000
1001
1002
1003
1004<style>
1005    .hero-homepage .hero-homepage-bg-image {
1006        background-image: url( https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/hero-banners/hero-banner_1200-x-386_home.png?sfvrsn=b57a472c_3 );
1007    }
1008
1009    .hero-homepage .hero-homepage-bg-image {
1010        background-position-x: center;
1011        background-position-y: center;
1012    }
1013</style>
1014
1015<div id="hero-banner-widget-fdcfca04-9cb8-443a-8362-b334ffe49da9" class="hero-homepage home-fontsize h-large">
1016    <div class="hero-homepage-bg-image"></div>
1017    <div class="hero-homepage-content content-placement">
1018        <h1 class="page-title mr-lg-3">Your future starts here</h1>
1019            <p class="sub-title mr-lg-3"> Planning for your retirement has never been easier with your myRPS account</p>
1020        <div class="banner-controls">
1021                <a class="btn-bgstroke" href="https://www.railwayspensions.co.uk/register" data-sf-ec-immutable="">Register</a>
1022                <a class="btn-bgstroke" href="https://www.railwayspensions.co.uk/login" data-sf-ec-immutable="">Log in</a>
1023                    </div>
1024    </div>
1025</div>
1026<div class="row redesign-wrapper" data-sf-element="Row">
1027    <div id="MainContent_C078_Col00" class="sf_colsIn col-lg-12" data-sf-element="Column 1" data-placeholder-label="Column 1"><div class="row pt-4 pb-5" data-sf-element="Row">
1028    <div id="MainContent_C052_Col00" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 1" data-placeholder-label="Column 1">
1029    </div>
1030    <div id="MainContent_C052_Col01" class="sf_colsIn col-lg-10 col-xxl-8" data-sf-element="Column 2" data-placeholder-label="Column 2">
1031<div >
1032    <div ><div class=" rounded-lg d-flex flex-column flex-lg-row highlight-tint-navy-25 p-4 mb-5" style="gap: 1rem"><div class="text-center"><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/tracing-group-existence-checks-examples/the-tracing-group-logo-clr.png?sfvrsn=f857ce5a_1" width="180" alt="" sf-size="36639"></div><div><p class="text-center text-lg-left mb-0">Have you been contacted by Validentity/The Tracing Group?&nbsp;<a href="/knowledge-hub/about-the-scheme/tracing-our-members">Learn more about the work we’re doing to check members are receiving the right benefits.</a></p></div></div></div>    
1033</div><div class="row" data-sf-element="Row">
1034    <div id="MainContent_C115_Col00" class="sf_colsIn col-lg-12" data-sf-element="Column 1" data-placeholder-label="Column 1">
1035<div >
1036    <div ><h2 class="text-center header">What do you want to do today?</h2></div>    
1037</div>
1038    </div>
1039</div>
1040
1041<div >
1042    <div ><p class="ml-auto mr-auto" style="text-align: center">Use the quick links below to find the information you need. You can log in to your myRPS account to ask for an estimate, use the pension planning tools, make a nomination, switch your investment funds, check your details, and more...</p></div>    
1043</div>
1044<div >
1045    <div ><div class="grid-cols pt-sm-4 quick-links"><span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_login-register.png?sfvrsn=8499ed6f_3" alt="A hand pressing a button" sf-size="4548"><a href="/login">Register/log in to myRPS</a></span>
1046 <span> <img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_payments-and-p60s.png?sfvrsn=f0ee97c9_3" alt="A P60 with a pound sign at the bottom" sf-size="4408"><a href="/defined-benefit-members/Im-taking-my-pension/pension-payments-and-p60s">Pension payments and P60s</a></span>
1047 <span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_nominations.png?sfvrsn=66b56ab5_3" alt="A bag with a pound sign on it, next to a heart" sf-size="4920"><a href="/pension-essentials/nominations">Nominations for death benefits</a></span>
1048 <span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_saving-more.png?sfvrsn=d46e2c36_3" alt="A piggy bank with a £ sign above it" sf-size="5347"><a href="/pension-essentials/saving-more">How to save more</a></span>
1049
1050 <span><img sf-size="2414" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_memer-webniar-v1.png?sfvrsn=247d3afb_1" class="p-2" alt="" sf-constrain-proportions="true"><a href="/knowledge-hub/help-and-support/pension-webinars">Pension webinars</a></span>
1051
1052 <span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_blog-final.png?sfvrsn=e6cde0c9_3"><a href="/knowledge-hub/news-and-views/blogs">Your pension blog</a></span>
1053
1054 <span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_report-a-death-new.png?sfvrsn=7f887480_1" alt="A heart" sf-size="4324"><a href="/knowledge-hub/help-and-support/reporting-a-death">Report a death</a></span>
1055 <span><img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/icons/home-page-icons/icons_home-page_find-a-form.png?sfvrsn=8e028997_3" alt="A white piece of paper with lines on it to indicate where there would be writing" sf-size="3960"><a href="/knowledge-hub/help-and-support/db-member-forms">Forms for defined benefit members</a></span>
1056
1057</div></div>    
1058</div>
1059    </div>
1060    <div id="MainContent_C052_Col02" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 3" data-placeholder-label="Column 3">
1061    </div>
1062</div>
1063<div class="row" data-sf-element="Row">
1064    <div id="MainContent_C119_Col00" class="sf_colsIn col-lg-12" data-sf-element="Column 1" data-placeholder-label="Column 1"><div class="row pt-4 pb-3" data-sf-element="Row">
1065    <div id="MainContent_C118_Col00" class="sf_colsIn col-lg col-xxl-2" data-sf-element="Column 1" data-placeholder-label="Column 1">
1066    </div>
1067    <div id="MainContent_C118_Col01" class="sf_colsIn col-lg col-xxl-8" data-sf-element="Column 2" data-placeholder-label="Column 2">
1068    </div>
1069    <div id="MainContent_C118_Col02" class="sf_colsIn col-lg col-xxl-2" data-sf-element="Column 3" data-placeholder-label="Column 3">
1070    </div>
1071</div>
1072
1073    </div>
1074</div>
1075<div class="row py-5 highlight-tint-grey-alt-25" data-sf-element="Row">
1076    <div id="MainContent_C076_Col00" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 1" data-placeholder-label="Column 1">
1077    </div>
1078    <div id="MainContent_C076_Col01" class="sf_colsIn col-lg-10 col-xxl-8" data-sf-element="Column 2" data-placeholder-label="Column 2">
1079<div >
1080    <div ><h3 class="text-center header">What’s going on in the pensions world?</h3></div>    
1081</div>
1082<div >
1083    <div ><p class="ml-auto mr-auto" style="text-align: center">Keep up to date with the latest pensions news and developments in the Scheme.</p></div>    
1084</div>
1085<div class="news-articles">
1086
1087    <div class="band">
1088            <div class="news-item">
1089                <div class="news-card">
1090                    <div class="thumb rounded" style="background-image: url('https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/content-images/mick-cash-book-745x410px-v2.jpg?sfvrsn=9a5ec3ae_1')"></div>
1091                    <article>
1092                        <h5>New book explores the history of the railway workers’ pensions</h5>
1093                        <p>
1094                            Railways Pension Scheme (RPS) Trustee Mick Cash offers a personal perspective on the development of railway pensions and their place in the wider story of the railways.
1095                        </p>
1096                        <a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/news-update/2026/09/25/new-book-explores-the-history-of-the-railway-workers--pensions" class="stretched-link">Read More <i class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></i></a>
1097                    </article>
1098                </div>
1099            </div>
1100            <div class="news-item">
1101                <div class="news-card">
1102                    <div class="thumb rounded" style="background-image: url('https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/news-images-(2023-on)/promote-webinars.jpg?sfvrsn=256ab757_1')"></div>
1103                    <article>
1104                        <h5>Got an hour for your pension?</h5>
1105                        <p>
1106                            Our free autumn webinars start next week. Book your place and get practical information about your pension and the options available to you.
1107                        </p>
1108                        <a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/news-update/2026/09/22/got-an-hour-for-your-pension" class="stretched-link">Read More <i class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></i></a>
1109                    </article>
1110                </div>
1111            </div>
1112            <div class="news-item">
1113                <div class="news-card">
1114                    <div class="thumb rounded" style="background-image: url('https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/content-images/heart-of-gold-award-745x410px-v1.jpg?sfvrsn=90f7304f_1')"></div>
1115                    <article>
1116                        <h5>Heart of Gold Awards: nominate your colleague</h5>
1117                        <p>
1118                            Heart of Gold Awards, hosted by Railway Benefit Fund (RBF), celebrates those in the rail industry who have made a real difference in their workplace or community.
1119                        </p>
1120                        <a href="https://www.railwayspensions.co.uk/knowledge-hub/news-and-views/ne
1120ws-update/2026/09/21/heart-of-gold-awards--nominate-your-colleague" class="stretched-link">Read More <i class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></i></a>
1121                    </article>
1122                </div>
1123            </div>
1124    </div>
1125
1126
1127
1128</div>
1129
1130    </div>
1131    <div id="MainContent_C076_Col02" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 3" data-placeholder-label="Column 3">
1132    </div>
1133</div>
1134<div class="row py-5" data-sf-element="Row">
1135    <div id="MainContent_C084_Col00" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 1" data-placeholder-label="Column 1">
1136    </div>
1137    <div id="MainContent_C084_Col01" class="sf_colsIn col-lg-10 col-xxl-8" data-sf-element="Column 2" data-placeholder-label="Column 2">
1138<div >
1139    <div ><h3 class="text-center header">Where are you on your retirement journey?</h3></div>    
1140</div>
1141<div >
1142    <div ><p class="ml-auto mr-auto" style="text-align: center">Whether you’re just starting to pay into your pension or you're already taking it, we've got information to support you.</p></div>    
1143</div><div class="row" data-sf-element="Row">
1144    <div id="MainContent_C088_Col00" class="sf_colsIn col-lg-10 offset-lg-1" data-sf-element="Column 1" data-placeholder-label="Column 1"><div class="row grid-rows-gap" data-sf-element="Row">
1145    <div id="MainContent_C087_Col00" class="sf_colsIn col-sm-6" data-sf-element="Column 1" data-placeholder-label="Column 1"><div class="shadow d-flex flex-column h-100">
1146    <div id="MainContent_C089_Col00" data-sf-element="Journey-card-image" class="thumb sf_colsIn journey-card-image" data-placeholder-label="Journey Card Image">
1147    <a href="/pension-essentials/new-to-the-scheme" title="Open image in original size">
1148                <img loading="lazy" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/old-site-images/homepage-images/new-website_img_where-to-start_1057x594px_wmoan-having-a-cup-of-coffee.jpg?sfvrsn=6798551b_1" title="I&#39;m new to the Scheme" alt="Information for members who have recently joined the Scheme"
1149         
1150          />
1151
1152    </a>
1153 
1154    </div>
1155        <div id="MainContent_C089_Col01" class="sf_colsIn journey-card-link flex-grow-1" data-sf-element="Journey-card-link" data-placeholder-label="Journey Card Link">
1156<div >
1157    <div ><a class="clr-invert" href="/pension-essentials/new-to-the-scheme">I’m new to the RPS and want to find out more about my pension</a>.<em class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></em></div>    
1158</div>
1159        </div>
1160</div>
1161
1162    </div>
1163     <div id="MainContent_C087_Col01" class="sf_colsIn col-sm-6" data-sf-element="Column 2" data-placeholder-label="Column 2"><div class="shadow d-flex flex-column h-100">
1164    <div id="MainContent_C090_Col00" data-sf-element="Journey-card-image" class="thumb sf_colsIn journey-card-image" data-placeholder-label="Journey Card Image">
1165    <a href="/knowledge-hub/help-and-support/retirement-budgeting-calculator" title="Open image in original size">
1166                <img loading="lazy" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/old-site-images/homepage-images/man-on-laptop.jpg?sfvrsn=763d8bc4_1" title="I&#39;m new to the Scheme" alt="Information for members who have recently joined the Scheme"
1167         
1168          />
1169
1170    </a>
1171 
1172    </div>
1173        <div id="MainContent_C090_Col01" class="sf_colsIn journey-card-link flex-grow-1" data-sf-element="Journey-card-link" data-placeholder-label="Journey Card Link">
1174<div >
1175    <div ><a class="clr-invert" href="/knowledge-hub/help-and-support/retirement-budgeting-calculator">I want to see how much income I might need for my retirement years</a>.
1176<em class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></em></div>    
1177</div>
1178        </div>
1179</div>
1180
1181    </div>
1182     <div id="MainContent_C087_Col02" class="sf_colsIn col-sm-6" data-sf-element="Column 3" data-placeholder-label="Column 3"><div class="shadow d-flex flex-column h-100">
1183    <div id="MainContent_C091_Col00" data-sf-element="Journey-card-image" class="thumb sf_colsIn journey-card-image" data-placeholder-label="Journey Card Image">
1184    <a href="/iwdc-members/im-planning-to-take-my-iwdc-pot" title="Open image in original size">
1185                <img loading="lazy" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/old-site-images/homepage-images/new-website_img_where-to-start_1057x594px_02.jpg?sfvrsn=dfef6107_1" title="New website_img_where to start_1057x594px_02" alt="I&#39;m learning more about the benefits of mypension"
1186         
1187          />
1188
1189    </a>
1190 
1191    </div>
1192        <div id="MainContent_C091_Col01" class="sf_colsIn journey-card-link flex-grow-1" data-sf-element="Journey-card-link" data-placeholder-label="Journey Card Link">
1193<div >
1194    <div ><a class="clr-invert" href="/defined-benefit-members/Im-planning-to-take-my-pension">I’m planning ahead and want to understand my options for taking my DB pension</a>
1195<em class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></em></div>    
1196</div>
1197        </div>
1198</div>
1199
1200    </div>
1201     <div id="MainContent_C087_Col03" class="sf_colsIn col-sm-6" data-sf-element="Column 4" data-placeholder-label="Column 4"><div class="shadow d-flex flex-column h-100">
1202    <div id="MainContent_C092_Col00" data-sf-element="Journey-card-image" class="thumb sf_colsIn journey-card-image" data-placeholder-label="Journey Card Image">
1203    <a href="/defined-benefit-members/Im-taking-my-pension" title="Open image in original size">
1204                <img loading="lazy" src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/old-site-images/homepage-images/new-website_img_where-to-start_1057x594px_mature-woman-gardening.jpg?sfvrsn=29eff411_1" title="New website_img_where to start_1057x594px_mature woman gardening" alt="I&#39;m already taking my pension"
1205         
1206          />
1207
1208    </a>
1209 
1210    </div>
1211        <div id="MainContent_C092_Col01" class="sf_colsIn journey-card-link flex-grow-1" data-sf-element="Journey-card-link" data-placeholder-label="Journey Card Link">
1212<div >
1213    <div ><a class="clr-invert" href="/defined-benefit-members/Im-taking-my-pension">I’m already receiving pension payments from the Scheme</a>.
1214<em class="clr-invert fa-arrow-circle-right fa-circle-arrow-right fa-solid fas"></em></div>    
1215</div>
1216        </div>
1217</div>
1218
1219    </div>
1220</div>
1221
1222    </div>
1223</div>
1224
1225    </div>
1226    <div id="MainContent_C084_Col02" class="sf_colsIn col-lg-1 col-xxl-2" data-sf-element="Column 3" data-placeholder-label="Column 3">
1227    </div>
1228</div>
1229
1230    </div>
1231</div>
1232
1233
1234
1235
1236
1237
1238
1239
1240
1241
1242
1243
1244 
1245<div class="row bg-light border-top" data-sf-element="Row">
1246    <div id="Footer_TE56E8B40020_Col00" class="sf_colsIn col-lg-12" data-sf-element="Column 1" data-placeholder-label="Column 1"><div class="row mt-4" data-sf-element="Row">
1247    <div id="Footer_TE56E8B40040_Col00" class="sf_colsIn col-lg-4" data-sf-element="Column 1" data-placeholder-label="Column 1">
1248<div >
1249    <div >POWERED BY:&nbsp;&nbsp;<img src="https://cdn3.railpen.com/mp-sitefinity-prod/images/default-source/default-album/railpen_logo_black_rgb_100x31px.png?sfvrsn=1840074d_5" alt="" title="Railpen_Logo_Black_RGB_100x31px" data-displaymode="Original"></div>    
1250</div>
1251    </div>
1252    <div id="Footer_TE56E8B40040_Col01" class="sf_colsIn col-lg-3" data-sf-element="Column 2" data-placeholder-label="Column 2">
1253<div >
1254    <div ><ul><li><a style="font-family: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit" href="/about-us/term-and-conditions">Terms and Conditions</a></li><li><a href="/about-us/privacy-notice">Privacy Notice</a></li></ul></div>    
1255</div>
1256    </div>
1257    <div id="Footer_TE56E8B40040_Col02" class="sf_colsIn col-lg-3" data-sf-element="Column 3" data-placeholder-label="Column 3">
1258<div >
1259    <div ><ul><li><a href="/about-us/disclaimer">Disclaimer</a></li><li><a href="/about-us/data-protection-complaints">Data Protection Complaints</a></li><li><a href="/about-us/cookies">Cookies</a></li></ul></div>    
1260</div>
1261    </div>
1262</div>
1263
1264<div >
1265    <div ><p><span style="font-size: xx-small"><strong><span style="font-size: small">Railways Pensions is powered by Railpen Limited</span></strong><br></span><span style="font-size: small">© Railpen Limited 2010-<span id="year">2026</span>. Registered Office: 7 Devonshire Square, London, EC2M 4YH</span><br><span style="font-size: small">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: 7 Devonshire Square, London, EC2M 4YH. 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.</span><span style="font-size: xx-small"><strong><span style="font-size: small"></span></strong></span><span style="font-size: small"></span></p></div>    
1266</div>
1267    </div>
1268</div>
1269 </div>  
1269<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend.Navigation/MVC/Scripts/Navigation/pills.js?package=Bootstrap4&amp;v=MTc4MjYyNjYwMw%3d%3d" type="text/javascript"></script>
1269<script type="application/json" id="PersonalizationTracker">
1270	{"IsPagePersonalizationTarget":false,"IsUrlPersonalizationTarget":false,"PageId":"a5d287f8-8c18-4ffc-bd3e-b12f87f125b4"}
1271</script>
1271<script type="text/javascript" src="/WebResource.axd?d=NjxTqR2bqTw1rewxxlkHPn1gqsGJMNhIZKvGaXB3YiDBkjBl_e25f8zPqVzl8taEpOMy58y-Zvojne_jj02-HRAq12xdXYW39Oedvx1lRZkpieS-4obd9G4h3kGUMPePDQkap85Cyl0cNCOQNfZUZPzaQAxcG0RCOj5e4Acqijh9bg4vJiahoC17nUdx1EFNq8vLfxUDa1tPguQ0pXpG_47nYYU1&amp;t=639226418820000000">
1272
1273</script>
1273<script type="text/javascript" src="/Mvc/Views/HideEmptyCardLayouts/hide-empty-card-layouts.js"></script>
1273<script type="text/javascript" src="/Common/Scripts/widget-popover.js"></script>
1273<script type="text/javascript">
1274var setTest = document.getElementById("iostest");
1275if(setTest){
1276	checkAgent();     
1277 }
1278</script>
1278<script type="text/javascript">
1279window.onbeforeunload = function(event) {
1280  elem=document.querySelector("[data-sf-role='form-container'] [type='submit']");
1281  if(elem)
1282    elem.disabled=true;
1283};
1284
1285// Removes loader when clicking back
1286document.addEventListener("DOMContentLoaded", function () {
1287  window.addEventListener("pageshow", function (event) {
1288    const body = document.querySelector('body');
1289    body.classList.remove('show-loader');
1290  });
1291});
1292</script>
1292 <input id="GoogleAnalyticsId" type="hidden" value="UA-20989255-53" /> <input id="HotJarId" type="hidden" value="1850450" /> 
1292<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/custom-cookie-consent.js?package=Bootstrap4&amp;v=MTgwODI0MjI3NA%3d%3d" type="text/javascript"></script>
1292 
1292<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/ga-generics.js?package=Bootstrap4&amp;v=MTgwODAxODI3NQ%3d%3d" type="text/javascript"></script>
1292 
1292<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/globals-axios.js?package=Bootstrap4&amp;v=NzQyMzgyOTUz" type="text/javascript"></script>
1292 
1292<script src="/Frontend-Assembly/Telerik.Sitefinity.Frontend/Common/Scripts/hotjar.js?package=Bootstrap4&amp;v=NTk0MTEzMDE3" type="text/javascript"></script>
1292 <div class="modal fade" style="z-index:9999999999"
1293         id="cookieConsentModal"
1294         tabindex="-1"
1295         role="dialog"
1296         aria-labelledby="cookieConsentModalLabel"
1297         aria-hidden="true"> <div class="modal-dialog modal-lg" role="document"> <div class="modal-content"> <div class="modal-header"> <h5 class="modal-title" id="cookieConsentModalLabel"> <span>Privacy Settings</span> </h5> </div> <div class="modal-body"> <div class="cookie-alert"> <div class="cookie-alert-wrapper"> <div class="d-flex"><img src="/ResourcePackages/Bootstrap4/assets/dist/sprites/white-warning.svg" /></div> <div class="cookie-alert-content"> <p>
1298                                    Please manage your cookie choices by switching the consent
1299toggles on or off under the purposes listed below. You can also choose to click:
1300                                </p> <span class="cookie-global-action"> <a id="accept-cookies" href="#">Accept All</a> <a id="reject-cookies" href="#">Reject All</a> </span> </div> </div> </div> <div class="grid-template cookie-choices"> <div class="cookie-grid-3 cookie-header">
1301                            Member portal essential cookies
1302                            <img class="flip" data-section="essential" src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-down.svg" /> </div> <div class="accordian-row-essential cookie-grid-3">
1303                            We use these cookies to ensure our services work correctly. They cannot be switched off. You can find out more in our privacy policy and cookie policy.
1304                        </div> <div class="accordian-row-essential cookie-header d-none">Cookie</div> <div class="accordian-row-essential cookie-grid-2 cookie-header d-none">
1305                            Purpose
1306                        </div> <div class="accordian-row-essential d-none">Sitefinity</div> <div class="accordian-row-essential d-none cookie-grid-2">
1307                            These cookies are part of the website log in mechanism. They
1308                            allow authenticated users to access secure content across
1309                            Railpen websites.
1310                        </div> <div class="accordian-row-essential d-none">Virtual Assistant</div> <div class="accordian-row-essential d-none cookie-grid-2">
1311                            Cookies required by the Virtual Assistant window for it to display and function correctly.
1312                        </div> <div class="accordian-row-essential d-none">Network</div> <div class="accordian-row-essential d-none cookie-grid-2">
1313                            These cookies are part of the website log in mechanism. They allow authenticated users to access secure content across Railpen websites.
1314                        </div> <div class="cookie-grid-3 cookie-header">
1315                            Analytical cookies
1316                            <img class="flip" data-section="optional" src="/ResourcePackages/Bootstrap4/assets/dist/sprites/chevron-down.svg" /> <span style="float:right; padding-right:30px"><input type="checkbox" id="optional-cookie-chk" value="opt_chk" /> Allow</span> </div> <div class="accordian-row-optional cookie-grid-3">
1317                            These cookies allow us to improve our website.
1318                        </div> <div class="accordian-row-optional cookie-header d-none">Cookie</div> <div class="accordian-row-optional cookie-grid-2 cookie-header d-none">
1319                            Purpose
1320                        </div> <div class="accordian-row-optional d-none">Hotjar</div> <div class="accordian-row-optional d-none">
1321                            Railpen uses Hotjar to analyse how customers are using our website, with a view to improving customer experience.
1322                            However, it does not use Hotjar’s Visitor Recordings facility.
1323                        </div> <div class="accordian-row-optional d-none"> <span style="display:none"><input type="checkbox" id="hj_cookie_chk" value="hj" /> Allow</span> </div> <div class="accordian-row-optional d-none">Google Analytics</div> <div class="accordian-row-optional d-none">
1324                            These cookies are used to collect information about how visitors
1325                            use our site.
1326                        </div> <div class="accordian-row-optional"> <span style="display:none"><input type="checkbox" id="ga_cookie_chk" value="ga" /> Allow</span> </div> </div> </div> <div class="modal-footer"> <button type="button" class="btn btn-primary" onclick="selectCookies()">
1327                        Save and close
1328                    </button> <button type="button" class="btn btn-primary" data-dismiss="modal">
1329                        Cancel
1330                    </button> </div> </div> </div> </div> </body> 
1330<script>(function (d) { var s = d.createElement("script"); s.setAttribute("data-account", "72Ra5ON0PA"); s.setAttribute("src", "https://cdn.userway.org/widget.js"); (d.body || d.head).appendChild(s); })(document)</script>
1330 <noscript>Please ensure Javascript is enabled for purposes of <a href="https://userway.org">website accessibility</a></noscript> 
1330<script type="text/javascript">var _0xcaad=["indexOf","; path=/","cookie","=","x-bni-ja","stack","phantomjs","plugins","length","onmousemove"];var err;function indexOfString(_0x1ce0x3,_0x1ce0x4){return _0x1ce0x3[_0xcaad[0]](_0x1ce0x4)}try{null[0]()}catch(e){err=e};function setCookie(_0x1ce0x6){var _0x1ce0x7=1514264501;var _0x1ce0x8=950140043;var _0x1ce0x9=_0x1ce0x7+_0x1ce0x8+_0xcaad[1];document[_0xcaad[2]]=_0x1ce0x6+_0xcaad[3]+_0x1ce0x9}function set_answer_cookie(){setCookie(_0xcaad[4])}function set_answer_cookie_1(){set_answer_cookie()}if((indexOfString(err[_0xcaad[5]],_0xcaad[6])> -1)||(!(navigator[_0xcaad[7]] instanceof PluginArray)||navigator[_0xcaad[7]][_0xcaad[8]]==0)){}else {document[_0xcaad[9]]=function() {set_answer_cookie_1();};}</script>
1330</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.