And for more general information on planning your retirement income: www.gov.uk/plan-retirement-income State Pension information For more information about the State Pension and when you can claim it: www.gov.uk/new-state-pension Check your State Pension...), Pension Wise provides information about your retirement options: www.pensionwise.gov.uk The Money Advice Service is a free and impartial money advice website set up by the government: www.moneyadviceservice.org.uk and they have a page all about finding a financial adviser: www.moneyadviceservice.org.uk/en/categories/getting-advice-about-retirement Help budgeting and understand how much you might need in retirement To help you think about what you might need to live off in retirement you can

Welcome to the RMSPS (Royal Mail Statutory Pension Scheme) website. This site is managed by the RMSPS which is responsible for paying any benefits you built up before 1 April 2012. Here you can find out about what your pension might be worth, how it is paid, and your options both now and at retirement. Ready to start thinking about your future? Use the RMSPS retirement hub to get simple, personalised support to help you plan with confidence whatever stage of your journey you’re at. Visit the retirement hub This diagram shows you the structure of the Royal Mail schemes and should help you to know which sections you may have benefits in. Choose from the options below to find out more about your deferred benefit choices.

For more detailed information about how the scheme is run, your benefits in it and other useful links, take a look at the information below. If you can’t find what you’re looking for, contact us via phone or email. You can request a copy of the RMSPS rules or retirement factors by emailing enquiries@rmsps.co.uk. Please remember that if you have built up benefits in the scheme after 1 April 2012, you will need to also visit the Royal Mail Pension Plan website.

You can transfer benefits built up in the scheme before 1 April 2012 to a defined benefit pension arrangement. This is a type of scheme where the amount of pension you get is based on your salary and length of time as a scheme member. You will need to check that the scheme you wish to transfer your benefits to will accept the transfer. If they will, you can contact us to arrange a transfer. Please note that you will need to contact us at least 18 months before your Normal Retirement Age (NRA) to request a transfer. Remember the scheme you transfer to will not offer exactly the same benefits as you would get from the Royal Mail scheme. You should consider taking financial advice before transferring to make sure that a transfer would

retirement (or are entitled to a cash sum in addition to your pension). Uncrystallised Funds Pension Lump Sums (UFPLS) – in a Defined Contribution scheme, you and your employer pay into a pension pot towards retirement and can then be taken