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Find providers for- setting up a new pension, reviewing your pension, approaching retirement, looking into auto enrolment, and buying your annuity or entering income drawdown

Annuity: Immediate Vesting Personal Pension Plan (IVPPP) – Compulsory Purchase Annuity (CPA) – Purchased Life Annuity (PLA)

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Halifax is a company that presumably doesn’t like to divulge much information about themselves as there is a lack of an About Us page. They have won several investment awards however including Best Investment Product Provider at the 2009 Personal Finance Awards and the Best Child Trust Fund by Prima readers in 2008.

Product Services and Speciality Products

Their Stakeholder Pension Plan gives you an income and allows customers to have the option of taking up to 25% of the fund as a single tax-free lump sum though this will naturally reduce the final value. This plan offers you a wide selection of investments and there is no minimum contribution. As you come towards the time when you are to receive your benefit, you have the option of switching to less risky investments to secure your income. If you decide to transfer an existing pension you will not be financially penalised. However, this plan lapsed for new customers as at 24th June 2016.

Halifax also gives you the option of topping up on your existing Stakeholder Pension Plan which is to be encouraged because every £80 you invest will be topped up with £20. Higher rate taxpayers will receive up to 20% extra tax relief which can be claimed back through your tax return. In order to top up with convenience, try Halifax’s online option. All you need to do is set up a new Direct Debit and make a lump sum payment over the phone.

Selling Route

Halifax offers a host of ways in which you can contact them. You can either book a call back, talk to one of their personal financial advisors face to face in a Halifax branch or else email or write to them.