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Saving for retirementHow the RSP worksCostJoiningTransferring in

Starting out

You may find it easier to manage all your pensions in one scheme

If you have any pensions from previous jobs, a personal pension or any other pension arrangement in your own name, you can ask the Trustee to accept a transfer value into your RSP account.

Transfers in must meet the conditions set by HMRC for transfer payments and the Trustee can decide whether or not to accept the transfer. If the Trustee accepts the transfer, it will go into your RSP account.

Pension transfers can be complex and may not be suitable for everyone. There may be charges and you could be giving up valuable benefits. If you are considering a transfer and are unsure if it is in your interests, we strongly recommend that you seek financial advice. There may be a cost for this. Find a financial adviser in your area by visiting www.moneyadviceservice.org.uk.

How to transfer

If you are interested in transferring benefits into the RSP, please contact the IMI Pensions Administration Team.

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