FAQs
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"What is the charge cap?"
The charge cap is a government-set limit. It’s the annual amount that can be charged to savers in default arrangements within defined contribution pension schemes used for auto-enrolment.
"Why has my pension gone down in value?"
When you or your employer contributes to your pension, we invest it in your selected fund(s). Depending on the fund performance your pension can go down as well as up.
"How does a unit-linked policy work?"
With a unit-linked policy, any contributions paid in are used to buy units in the investment funds.
"What are the Citi codes for your funds?"
Citi codes are unique codes used primarily by FE fund info (formerly Financial Express) to track and identify funds. Our table below shows the codes for our investment funds.
"Why are my projected savings lower than my current pension value?"
Your projected pension savings at retirement depends on factors such as annual contribution increases, inflation and how and when you access your pension savings.
"How do I switch funds?"
You can switch funds by logging in to your online account.