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Our pension - the Collective Retirement Account (CRA)

The Collective Retirement Account (CRA), trusted by almost 220,000 investors, gives you the freedom to create the solutions your clients need. It is a truly flexible plan for life and, it allows your clients to continue accumulating retirement savings at the same time as taking income. Unlike many pension arrangements, the CRA does not require your clients to crystallise at age 75.



Making it easy to pay money in and take money out.



Giving the value of the pension the best opportunity to grow over the long term to meet your client’s needs.



Helping with tax efficient benefits.

Features and benefits

  • Flexible income payments dates. We give you the freedom to choose from days 1 to 28 of each month so that your clients can enjoy a pension that works around them.
  • Multiple portfolios in one pension. We give you the flexibility to mix and match so that you can tailor your pension advice to your client’s needs.
  • Tax-efficient regular income options. We give you the control to make your client’s pension fund last longer by providing a source of retirement income with no income tax liability.
  • Full death benefit flexibility. We give you all the options possible to help you pass on the right pension to the right person at the right time.

How to make the most of your client’s pension

The CRA is one of the most flexible pensions in the market. Explore the options below to discover how we can help you and your clients get the most out of your pension. 

Next steps

Need more information?

Find out more about our pensions by getting in touch with your Quilter consultant.

Contact your sales consultant

Key Pension documents

View key features and terms of the pensions, as well as support material and guides on the document library.

Visit the document library