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Pension upgrade and supported service

Benefits of the Johnson Fleming Upgrade Service


  • Lower Annual Management Charge (AMC)
  • A new flexible plan with wide investment choices
  • User friendly website with full telephone assistance
  • The option to transfer other pensions - to benefit even further from these low charges and flexible platform

Total fund value
Platform charge
Fund charge
Total charge
£30,000 up to £49,999.99 0.40% 0.10% 0.50%
£50,000 up to £99,999.99 0.27% 0.10% 0.37%
£100,000 up to £499,999.99 0.25% 0.10% 0.35%
£500,000 up to £999,999.99 0.20% 0.10% 0.30%
£1,000,000 and above 0.10% 0.10% 0.20%

Pension upgrade and supported service

Want to know more?

Take a look at Scottish Widows' Retirement Account 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 Governed Investment Strategy - Balanced (targeting flexible access) also you will be able to make your own investment choices from a wide range of funds.

Find out more about the Governed Investment Strategy

For those who want choice, Scottish Widows offers a diverse and flexible range of investments that lets you build portfolios to help meet even the most bespoke savings needs.

The range includes:

  • Scottish Widows Pension Funds
  • Governed Investment Strategies and Premier Governed Investment Strategies
  • Fund Supermarket
  • Any Fixed Term Cash Deposit that Scottish Widows make available
  • A panel of Discretionary Fund Managers
  • Share dealing
  • Commercial Property

Scottish Widows’s comprehensive offering - which ranges from investment comparison and monitoring tools, to model portfolios and access to discretionary fund managers – helps you make the most of the extensive choice available.

Explore the full range of investment options available in The Retirement Account Guide below