CHOOSE YOUR SCHEME

Welcome to the new look website, for members of a Lloyds Banking Group pension scheme.

If you joined the Group after 1 July 2010, you'll be a member of Your Tomorrow.

NOT YET A MEMBER?

If you’re an employee of Lloyds Banking Group and not a member of one of our pension schemes, it’s not too late to join, as long as you’re eligible.

IF YOU JOINED THE GROUP ON OR AFTER 1 JULY 2010

You’ll be automatically enrolled in Your Tomorrow on the day you join the Group. If you’re not yet a member, see joining.

IF YOU JOINED THE GROUP BEFORE 1 JULY 2010

HBOS colleaguesIf you were previously a member of the HBOS Group Money Purchase Scheme, or had the right to join, you became eligible to join Your Tomorrow from 1 February 2011.

Lloyds Bank colleaguesIf you were previously a member of a Lloyds Bank Pension Investment Plan (PIP), or had the right to join, you became eligible to join Your Tomorrow from: 1 August 2011 for non-Asset Finance and non-Commercial Finance colleagues 1 September 2011 for Asset Finance and Commercial Finance colleagues go to joining to find out more.

To view information about your benefits Log into YOUR PENSION
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Previous options

The following investment funds were available to members up to March 2018, when investment options changed. See LifePlan and PersonalChoice for current investment options.

Your Journey Extra

This fund invests across a diverse range of investments such as, but not exclusively, UK and overseas equities, fixed and index-linked interest bonds and cash. The mix of investment types reflects the intention that the fund should generally produce smoother returns than a fund wholly invested in equities, such as 'Global Journey'.

Your Journey

Similar to 'Your Journey Extra', this fund invests across a diverse range of investments.

Global Journey

This fund is wholly invested in world equities and has the potential to produce strong returns. It has the potential to be highly volatile, but the fact that the fund’s investments are spread over a range of stock markets should mean that the performance is less volatile than that of a fund wholly invested in a single country (or territory).

Your Destination (Increasing Income)

Invests primarily in assets which align the value of your account with the cost of buying a pension that increases in payment.

Your Destination (Level Income)

Invests primarily in assets which align the value of your account with the cost of buying a pension that does not increase in payment.

Destination Cash

This fund invests in a range of cash and cash-like investments.

All the funds available in LifePlan, plus the following:

Asia Pacific (excluding Japan) Equity Fund

This fund invests wholly in stocks and shares in the developed Asia Pacific markets, excluding Japan.

Continental Europe Equity Fund

This fund invests wholly in European stock markets, excluding the UK.

Emerging Markets Equity Fund

This fund invests wholly in emerging markets.

Japan Equity Fund

This fund invests wholly in the Japanese stock market.

North America Equity Fund

This fund invests wholly in the North American stock market.

Property Fund

This fund invests wholly in UK commercial, industrial and retail properties.

UK Equity Fund

This fund invests wholly in the UK stock market.

Corporate Bond Fund

This fund invests in highly-rated sterling company-issued debt (corporate bonds).