Why we’re different

Low Cost

Many existing retirement products can be complex or expensive – our products have been designed to be simple and low cost.

High Flexibility

For many retirees, retirement is no longer an event but a journey with needs that change over time – our products aim to offer the flexibility to meet these needs.

Lower Risk

Many existing retirement products can be exposed to uncertain investment markets – our products offer the certainty that only cash deposits can provide, with all cash investments protected by the Financial Services Compensation Scheme, or in the case of NS&I, by HM Treasury.

Clear Focus

We specialise only in the retirement market and being specialist is very important to our company – it gives us a clear focus and enables us to maintain our expertise.


Our people have a wealth of financial services experience – our experience and market understanding enables us to provide innovative products.