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The Collective Retirement Account
As an experienced pensions provider, we’re trusted by over 230,000 pension customers. Our pension, the Collective Retirement Account (CRA), offers a wide range of flexible options to you with no additional costs.
Because it’s a pension, the CRA benefits from certain tax advantages that aren’t available to other kinds of investment.
- You can transform your taxable income into highly tax-efficient long-term savings
- Usually, you can take up to 25% of your fund as a tax-free sum when you start taking benefits.
Features and benefits of the Collective Retirement Account
- Open an account with as little as a lump sum of £3,600 or a £99 regular monthly contribution.
- You can transfer other pensions into the CRA easily, allowing you to put your retirement savings in one place.
- Access over 2,600 OEICs and unit trusts, and over 800 exchange-traded investments.
- Gives you the flexibility to take income or lump sums from your CRA, normally any time from your 55th birthday (rising to 57th in 2028), whilst leaving the rest of your retirement fund invested.
- Your account provides benefits for your loved ones on your death.
- If your family members also invest with us, you can link your assets with theirs and enjoy a lower effective charge for every person linked.
- Activate your online Customer Centre account to get access to performance analysis and key documents.
- You have the option, if you need it, to transfer the value of your CRA to another pension scheme or use it to buy a guaranteed income for life.
Enjoy lower investment charges for you and your family
Speak to your adviser about how our Family Linking benefit can reduce the cost of investing for you and your family members when you all invest with Quilter.
Trusted by over 230,000 pension customers
Comprehensive range of flexible options
Link your assets with family members
- are a UK resident
- want to invest tax efficiently over the medium- to long-term, with the aim of growing your money, bearing in mind this is not guaranteed
- are prepared to commit to having your money tied up, normally until at least age 55, but then have choice over how and when to take benefits
- want the flexibility to make your own choice of investment funds in line with your aims and attitude to risk
- would like to leave the rest invested when you begin to take income withdrawals, and any lump sum(s)
- want to provide benefits to your loved ones on death
- want the convenience and flexibility of being able to consolidate and manage all your pension savings within one plan by transferring in pension savings built up in other schemes, including ‘defined benefit’ transfers that have been recommended and assessed as being in your best interests by a regulated pension transfer specialist
- want the freedom to transfer the pension savings in this account to another pension product, for example to buy an annuity (a guaranteed income for life), to move abroad, or to take advantage of benefits not offered by this account.
- want unrestricted access to your money before the age of 55
- want to invest in a wider range of assets than is available within the CRA
- want to set up a workplace pension arrangement, since the CRA cannot be used as an auto-enrolment or qualifying workplace scheme
- are currently in a final salary (also known as a defined benefit) pension scheme and you are:
- looking to transfer out of that scheme but you and/or your dependants need a guaranteed income for life, potentially with inflation protection
- able to achieve the same objective without the need to transfer
- unable to identify your income needs in retirement.
Next steps
Because we believe in the value of financial advice, all of our products are only available via a financial adviser.
Contact your financial adviser to discuss how this could be the right product for you.
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