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Our pension plans are unit linked. The price of units can go down as well as up as with most investments related to stocks and shares. This can in part be due to changes in exchange rates where overseas investments are held. While the value of units in the Protected Retirement Fund are protected from falls in the market if held to maturity, their value could be significantly reduced if encashed before the maturity. You will not be able to access any monies you pay into your pension until you take your retirement benefits. The value of the tax benefits associated with pensions depend on individual circumstances. Tax laws could change in the future.
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i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.
1 We claim tax back from the government at the basic rate of 20%. For example if you paid £80 pension contribution, £100 would actually be paid to your pension.