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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>
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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'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 </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 </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 </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'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 "> 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 </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'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'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'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'll need for retirement "> 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'll need for retirement </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 "> 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 </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 "> 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 </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'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'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'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'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 "> 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 </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 </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'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'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'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 "> 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 </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 </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 "> 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 </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 "> 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 </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
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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'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 </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 </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 </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'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 </a> 797 <a class="dropdown-item chevron-dropdown-item " href="/defined-benefit-members/im-still-working/new-to-the-scheme" target="_self">I'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'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'll need for retirement </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 </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 </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'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'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'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 </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  </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'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'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 </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  </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 </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 </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? <a href="/knowledge-hub/about-the-scheme/tracing-our-members">Learn more about the work weâre 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">Whatâs 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 workersâ 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 youâre 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'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">Iâm 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'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'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">Iâm 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'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">Iâm 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: <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>
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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.