10 MINUTES NOW TO ACHIEVE MORE LATER Even small increases in pension contributions over the years can help you achieve more in retirement. Check what increases could mean for you. Find out more at www.scottishwidows.co.uk/gppae or speak to your employer. Pensions are a long-term investment. The level of income you receive from your pension plan will depend on a number of factors including the value of the plan when you decide to take your pension, which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in. Tax rules may change. LIFE FEELS BETTER WHEN YOU HAVE A PLAN Scottish Widows plc. Registered in Scotland No. 199549. Registered Office in the United Kingdom at 69 Morrison Street, Edinburgh EH3 8YF. Telephone: 0131 655 6000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 191517. 25130 A4 02/15