If you require financial advice, you should contact an independent financial adviser.

For example, school or university fees, cost of long term care for elderly relatives etc, Extra time on your hands to do something you’ve always wanted to, whether that be a new hobby or new venture, These calculations show that you will have. To find out more about Police Mutual’s range of Investment Products click here 0800 652 9326 Call to discuss your Police Mutual options The Commutation Planner should be used as a guidance tool and doesn’t constitute any formal advice from Police Mutual The calculator is for guidance only, and only offers estimates.

This is always a good starting point as it will then determine any further actions you may need to take in order to fund the retirement … We would suggest you contact your pension provider for clarification. Use this Commutation Slider Tool to find the perfect balance between income and lump sum. You can withdraw or transfer to another ISA at any point. Police Pensions Calculator If you'd like financial advice, then this is … Use our useful Calculators to calculate your finances Cookies on the Police Mutual website We use cookies to help your user experience, understand how our website is …

By continuing to use the website you are consenting to our use of cookies. Consider your circumstances, lifestyle and spending habits to ensure you have a sum instantly available in case of emergencies. Our Pension Calculator is designed to help you understand the impact that the changes to Police Pensions could have on your future income when you retire. Bankrate.com provides a FREE pension calculator and other fund calculators to help consumers make the best retirement planning decisions. If you have any issues with the Police Pension Calculator, please email us. When you use the calculator you'll get: You may find it useful to have your most recent Annual Benefit Statement available while you're using the calculator. With the Non Guaranteed option, your money can go down as well as up and you may get back less than you put in when you withdraw your savings. Your total pension value is likely to exceed £1million and may therefore breach your Lifetime Allowance.

Unlike the Anytime Access, Fixed Term or Protected Growth options there are no guarantees you will get your money back and whilst you can withdraw at any time, because your investment can go up and down, you may get back less than you have put in. JavaScript is required for the best user experience. Our, To find out more about Police Mutual’s range of Investment Products, Call to discuss your Police Mutual options. With the Protected Growth option, if you withdraw your money other than on the five-year set guarantee points, you may get back less than you have put in. For more information on our Options ISAplease call us on 01543 441 630. The Options ISA is a stocks and shares ISA that gives you four different, tax-efficient options to save lump sums, regular amounts or both. The calculator does not cover: the effect of pensions tax charges on your benefits; information about any optional benefits such as additional pension and additional voluntary contributions; survivor benefits payable in the event of your death; the effect of pension sharing on divorce. For savers who want money-back protection on their investment at all times, For savers who want to invest a lump sum over a fixed term for fixed growth, For savers looking to invest a lump sum over five years or more with guaranteed protection, For savers who are willing to sacrifice guarantees for potentially higher returns.

amount exceeds HMRC’s limit for drawing a tax free commencement lump sum.

Early Retirement Reduction Buy Out (ERRBO), Special class members and Mental Health Officers, Special Class and Mental Health Officer FAQ, Protection of Pay and Voluntary Protection of Pay, NHS (Scotland) pension schemes’ death benefits, Resource account calculator (Protected members), Resource account calculator (Unprotected members), Teachers Early Retirement Reduction Buy Out (ERRBO), Pension estimates and annual benefit statements, Joining the Scottish Police Pension Scheme 2015, Opting out or leaving the police pension scheme, Legal Aid (Scotland) Pension Scheme post 2010 Section, Legal Aid (Scotland) Pension Scheme pre 2010 Section, an illustration of benefits, in todays' money terms, that may become payable at a retirement date selected by you, a description of the benefits payable for each scheme you've been a member of, an estimate of the maximum lump sum that could be payable. Please note: this is a guide to aid you with your decision but should not be taken as advice. You can pick just one option, split your money across several or put money into different options, at different times. Published 9 March 2018 Last updated 29 April 2019 — see all updates Following extensive lobbying by us, the Home Office (HO) commissioned the Government Actuary’s Department (GAD) to produce a pension calculator for use by police officers, in order to provide them with an illustration of the retirement benefits they might expect to receive from the police pension schemes, when they choose to retire.

It is intended illustrative purposes only. Pension & Commutation Whatever your retirement brings, you'll want to know how much money you're going to have to fund the lifestyle you want and the plans you have in mind. Without it you will experience limited functionality. Technical support: Note that the Microsoft Excel file type may not be compatible with devices that don't support Microsoft products and may not work if you don't have access to an application that can read this type of file.

So, whether you’re looking for a fixed rate, total security, potentially better returns or a combination of all of these, you can get them all with our Options ISA plan. If you haven't received your latest annual benefit statement or you would like to request an estimate of your benefits, please check your eligibility here before you apply.

Cookies on the Police Mutual website. a printable copy of your personal illustration. However, the growth potential with Anytime Access is lower than with any of our other options.

Principles and Practices of Financial Management. If you would like to talk through your options, why not make an appointment to see one of our independent financial advisers? The calculator allows police officers to see an illustration of their projected pension benefits. © Police Mutual Assurance Society Limited. They specialise in dealing with the Police and their pensions.

Please note that the illustration is not a guarantee, nor is the calculator intended to provide you with financial advice.

Investing can be a great way to grow your wealth and with our Options ISA you have the flexibility to decide how best to put your money to work.

These products are provided by Police Mutual Assurance Society Limited trading as Police Mutual, more information is available on our legal page.

The calculator allows police officers to see an illustration of their projected pension benefits. **, With an initial lump sum of £40, or a regular monthly premium from £40 and with a money back guarantee at all times, this option offers absolute security for the capital you invest.

Scottish Government | Riaghaltas na h-alba | gov-scot. Police Pension Scheme (England and Wales)

With a minimum lump sum investment of £1,000, this option is the only one to give you absolute certainty of the value of your investment at the end of the fixed term. **, With an initial lump sum of £100, or a regular monthly premium from £40, this option offers the greatest potential for growth of all our options. What are the key features of the Option ISA? Police Pensions calculator The calculator allows police officers to see an illustration of their projected pension benefits. One of the things you might want to do is reduce your monthly outgoings by paying off some, or all of your debts with your retirement funds or savings.

The Options ISA is a stocks and shares ISA that gives you four different, tax-efficient options to save lump sums, regular amounts or both.You can pick just one option, split your money across several or put money into different options, at different times.. click here for more information.

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