The Teachers’ Pension Scheme is one of the most valuable benefits available to teachers, but it can also be complex. We can help you understand how your pension works and how it fits into your wider retirement planning.

The Teachers’ Pension Scheme includes three main sections:

• Final Salary (80th) Section: For members who joined before January 1, 2007
• Final Salary (60th) Section: For members who joined between January 2, 2007, and March 31, 2015
• Career Average (2015) Section: The current scheme for all active and new members

Each section has different rules relating to retirement age, pension income, and benefits. Understanding these differences is key to effective retirement planning for teachers.

We help teachers in Swindon by:

• Explaining Teachers’ Pension benefits in plain English
• Reviewing retirement income options
• Integrating the Teachers’ Pension with other pensions and savings
• Supporting informed retirement planning decisions

If you are looking for teachers’ pension advice in Swindon, we are here to help.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.