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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Retirement planning

It’s never too early to begin planning for retirement. Whatever stage you’re at, it’s worth thinking about how much money you’ll need for the standard of living you want when you retire. There’s three questions you should be asking yourself.

This depends on your circumstances. Some costs of living may no longer be relevant when you retire, such as travel costs to work. In addition, you may have paid off your mortgage and no longer need to support your family, but you may want to spend more on leisure activities and holidays.

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Scheme pensionsYour latest pension statement will give you an idea of how much you’ll get when you retire. The statement includes any Pension Extra contributions you make. If you make Additional Voluntary Contributions (AVCs), you’ll receive a separate statement each year detailing these.

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State PensionFind out how much State Pension you’ll be entitled to when you reach State Pension age.

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Other pensionsYou may have another occupational pension or a personal pension and should refer to the annual statement you’re sent to see how much you’ll get.

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Other incomeDon’t forget to include other sources of income, such as interest on bank accounts and share dividends.

Now compare how much you’ll need with how much you'll get. You can use our retirement lifestyle planner to help you work this out.

If you have any queries about your pension, please contact your Scheme administrator.