Read as you Need guides

Read As you Need guides have in-depth information about some of the more complicated pension topics you may come across.

BRASS guide (applicable to active members of the 1970 section only)

A guide for members of BRASS (pdf)

259 KB

AVC Extra guides for active members

A guide for members with AVC Extra (pdf)

295 KB

Retirement options for Defined Contribution members (pdf)

293 KB

A guide to Statutory Money Purchase Illustrations (SMPI) (pdf)

256 KB

Guides on tax

Lump Sum Allowances (pdf)

338 KB

Lifetime Allowance (pdf)

273 KB

Annual Allowance (pdf)

843 KB

A guide to Paying tax on pension savings over Annual Allowance (pdf)

536 KB

What is lump sum 'recycling' (pdf)

126 KB

General guides:

Good to Know Guide (pdf)

2229 KB

A guide to your Annual Benefit Statement (ABS) (pdf)

826 KB

A guide to trivial commutation (pdf)

187 KB

A guide for members applying for incapacity benefits (pdf)

107 KB

A guide on divorce and dissolution (pdf)

965 KB

A guide for members on family leave (pdf)

424 KB

A guide to part time working (pdf)

336 KB

A guide to retirement options (pdf)

319 KB

Valuation (pdf)

142 KB

Protected Pension Age (PPA) (pdf)

280 KB

End of contracting out (pdf)

344 KB

A guide to transfer options (pdf)

146 KB

Pension freedoms and choices (pdf)

236 KB

Your pension, Your choices guide from MoneyHelper (pdf)

1439 KB

Guides for retired members:

A guide to your pension payment (pdf)

344 KB

Also in this section

Each of Railpen Limited (registered in England and Wales No. 2315380) and Railway Pension Investments Limited (RPIL) (Registered in England and Wales No. 1491097) is a wholly owned subsidiary of Railways Pension Trustee Company Limited (Registered in England and Wales No. 2934539). Registered office for each company: 100 Liverpool Street, London EC2M 2AT. RPIL is authorised and regulated by the Financial Conduct Authority for some of its activities. The administration of occupational pension schemes is not a regulated activity. Full details about the extent of RPIL's authorisation and regulation by the Financial Conduct Authority are available from us on request.