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Pension upgrade and supported service

Benefits of the Johnson Fleming Upgrade Service


  • Lower Annual Management Charge (AMC)

  • User friendly website with full telephone assistance

  • The option to transfer other pensions - to benefit even further from these low charges and flexible platform

Pension upgrade and supported service

Want to know more?

Take a look at Scottish Widows' Pension FAQ’s 

Pension upgrade and supported service

Benefits of the Johnson Fleming Supported Service


  • A service designed to make sure you know what you need to improve your retirement

  • Our unique 'nudges' are clear messages containing an easy way to act or to get more help from our experts if you need it. Nudges provide:
    • Relevant actions for you to consider
    • Prompts to help you choose the right funds
    • Guidance to help keep your savings on track
    • Support to make sure you know what action to take as you get closer to retirement

  • Webinars to help you understand your pension and wider finances

  • Telephone access to our team of experts

  • Help to make the most of your pension and savings tax relief

  • The security of knowing you have expert support

Pension upgrade and supported service

Where will my money be invested?

Your money will initially be invested in the Balanced Pension Approach - Targeting Flexible Access, you will be able to make your own investment choices from a wide range of funds.

Find out more about the Balanced Pension Approach - Targeting Flexible Access

For those who want choice, Scottish Widows offer flexibility and choice to develop personalised solutions, they offer a wide range of passively and actively managed funds, with different levels of risk, from some of the UK's leading fund managers.

Scottish Widows’ comprehensive offering - which ranges from investment comparison and monitoring tools – helps you make the most of the extensive choice available.

Explore the full range of investment options available in Pension Funds Investors Guide below