Allen & Overy Pension Scheme
Have I got everything covered?
  

Here are a few things you can do to keep your retirement affairs in order:

  • Make sure you have completed your nominated beneficiary details on the Scheme website. You should complete your nominations when you join the Scheme, and in the future if your circumstances change.
  • Take stock of all your pension benefits and other savings or investments, including the State Pension. Do you think you will have enough to live comfortably in your retirement?
  • Read the Scheme's investment guide under the "Investment Choices" section. .
  • Reassess how much you currently contribute to the Scheme. Are you making the most of your opportunity to save for your retirement?
  • Review your investment choices. Do your investment choices match your individual circumstances and attitude to risk and return?

Useful information:

You should update changes to your personal details (i.e. your marital status or change of address) via ?My Self Service?. If you leave Allen & Overy and your details change, you should contact Capita directly to ensure that your member record is up to date.

Scheme benefits cannot be assigned or transferred to another person or used as security for a loan. If you attempt to do any of these things, or become bankrupt, your benefits will be forfeited. The Scheme can be amended at any time by Allen & Overy if the Trustee agrees.

By law, no amendment may adversely affect a beneficiary's accrued rights unless he or she consents.

Allen & Overy expects to continue the Scheme indefinitely but reserves the right to discontinue it without replacing it by another scheme. The Trust Deed and Rules contain detailed provisions about beneficiaries' rights in the event of discontinuance.

The Annual Report and Accounts are available on request. A copy can be obtained from HR Advice.