Fidante Benefits Package

Member Action Required!

New members of Staff:

• If you think that you may be affected by the Tapered Annual Allowance (TAA), please ensure that you carefully read the later section. • The default option for personal contributions is the conventional method. In order to participate in the more efficient Salary Exchange programme, you need to apply. See the next section for full details and instructions. • Please complete and return a Nomination Form – this is attached here . You will need your AEGON policy number before being able to do so (this will be confirmed on the Plan documents that you will receive shortly after joining the Pension). • You should register for full online access, as soon as you are invited to do so by AEGON. You will be able to monitor Plan valuations, view contribution histories and possibly switch funds (if you wish to move away from the default fund). Please click here for details . • If you choose NOT to participate with Salary Exchange, you must remember to claim any higher or additional rate tax relief that you are due. This is normally achieved by entering your gross personal contributions on your tax return. Those who participate in Salary Exchange do not need to enter any details on their tax return as any higher rate relief is granted immediately. Existing Members of Staff: • If you think that you may be affected by the Tapered Annual Allowance (TAA), please ensure that you carefully read the later section. • Please remember to update your Nomination Form should your circumstances or requirements change (you should remember to review your decision every few years – and especially at the time of major life events). A new Nomination form is attached here . • If you haven’t already done so, you should register for online access. You will be able to monitor Plan valuations, view contribution histories and switch funds . Please click here for details . • If you choose NOT to participate with Salary Exchange, you must remember to claim any higher or additional rate tax relief that you are due. This is normally achieved by entering your gross personal contributions on your tax return. Those who participate in Salary Exchange do not need to enter any details on their tax return as any higher rate relief is granted immediately.

Who do I contact for further information?

The Corporate Team at JMA corporate@jmurray.co.uk Phone : 020 8642 3680

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