- Joining the pension
Get the most from your pension
- Use the tools
- Boost your pension
- Approaching retirement
- Contribution options
- Your investment options
- Things to know about investing
- What are the charges?
- Check or change your investments
- Common questions
IMPORTANT WARNING NOTICE AND RISK WARNING NOTE FROM DEUTSCHE BANK
In this website (including all web pages, web links and all documents available for download) – together referred to as “this site” – references to “Deutsche Bank” or to the “Company” are to DB Group Services (UK) Limited if that company is your employer, and are to Abbey Life Assurance Company Limited, if that company is your employer.
In the DB Flexible Retirement Plan (the “DB GFRP") web pages and documents on or linked to those web pages, references to “Deutsche Bank” are to DB Group Services (UK) Limited.
In this document and in the DB GFRP and the Group SIPP web pages and in documents on or linked to those web pages, references to the “Deutsche Bank Group” are to DB Group Services (UK) Limited, Deutsche Bank AG or any other company in the Deutsche Bank Group.
Points to note
The pages on this site must all be read subject to this Deutsche Bank Legal Notice.
Please note that where statements are made on this site relate to legislative or tax issues, those statements are based on the Company's understanding of these issues as at the date of this document. These statements are subject to changes in legislation or its interpretation.
The Company reserves the right to discontinue or vary the level of its contributions paid to the DB GFRP or the Group SIPP, where any contributions are to be made by the Company, and to vary or discontinue the DB GFRP or the Group SIPP.
To comply with the Financial Services and Markets Act 2000 neither the Company, HR Benefits or any employee of any Deutsche Bank Group company is allowed to provide you with any advice as to what investment choices you should or should not make or whether you should or should not join either the DB GFRP or the Group SIPP, as the case may be. Nothing on this site constitutes such advice.
The Company has not separately verified the statements in the DB GFRP and the Group SIPP web pages and documents on or linked to those web pages. The Company has also not separately verified any emails or other communications you may have received, or may receive from time-to-time, directly from Standard Life Assurance Limited. These have been provided by the Standard Life Assurance Limited, as provider of the DB GFRP and the Group SIPP. The Company has no reason to doubt the accuracy of those statements, emails or communications, but wishes to make it clear that it makes no representations in relation to those statements, emails or communications, and accepts no liability in respect of them.
The Company reserves the right at any time to cease to make available access to the DB GFRP and the Group SIPP or to designate one or more other pension plans in place of the existing pension plan, which may or may not be provided by Standard Life Assurance Limited.
This document confers no rights or entitlements under or in relation to the DB GFRP and the Group SIPP are part of The Standard Life Self Invested Personal Pension Scheme - for which Standard Life Assurance Limited alone has responsibility for - and your rights under the DB GFRP and the Group SIPP are conferred solely by the legal documentation of that Scheme. A copy of the relevant documentation is available for inspection on request.
The Deutsche Bank Group has no responsibility for the administration of the DB GFRP or the Group SIPP - or the benefits provided under either such plan for which Standard Life Assurance Limited alone has responsibility.
You should satisfy yourself that you understand the legal nature of the investment options provided by the DB GFRP or the Group SIPP , as the case may be, and the way in which the investment return and charges are calculated. You should refer to the governing legal documentation for further details.
A default investment option (also referred to as the low-involvement option) has been selected for the DB GFRP by the Company. This should not be taken as an indication of the investment potential of the default investment option or that it is a suitable investment option for you. It has been selected simply as an option to be used should you fail to pick your own investment option or options. The value of benefits under the default investment option or under any other investment option may go up as well as down. The Company takes no responsibility for the investment return on the default option or any other investment option and you are advised to seek independent financial advice as to the most suitable investment option or options for you.
Please remember that statements about future investment performance or future events, or the aims or objectives of or protections offered by particular investment choices, are not guarantees that any such performance, aim, objective or protection will be achieved.
Any contributions made by the Deutsche Bank Group on your behalf or in respect of you will be made at such time or times as the Deutsche Bank Group may determine. No liability is accepted by the Deutsche Bank Group for any loss arising from late payment or late investment of any contribution.
The Deutsche Bank Group has no responsibility or liability for transmitting or implementing any instructions given by you for switching investments or for disinvesting or re-investing or as to the timing of implementation any such instructions.
The DB GFRP and the Group SIPP web pages and the documents on or linked to those web pages are not the responsibility of the Deutsche Bank Group. The Deutsche Bank Group takes no responsibility for your ability to access web pages at any given time. Although the content of the website is accessed via the www.dbpensions.com website, this is for convenience only and does not indicate that the website is the responsibility of the Deutsche Bank Group or that it takes any responsibility for your ability to access it at a given time, whether via the Deutsche Bank Group's website or otherwise. The Deutsche Bank Group has no responsibility for any web link which fails at any time or for the temporary or permanent loss of any website or weblink.