The Normal Retirement Date under the Scheme is age 65. You may retire then and take your benefits. Alternatively you may retire at an earlier age (but not before age 55) or later age, provided the Trustees and your Employer agree.

The menu to the left handside of the page provides further infromation in respect of your retirement options.

What you do with your pension is an important decision. Therefore, we strongly recommend that you fully understand the options available to you.  You may wish to speak to a financial adviser.  A list of Financial Advisers, can be found on the IFA Promotions website: www.unbiased.co.uk 

If you are still unsure, The Money and Pensions Service, the Government's new financial guidance service, providing a free impartial service to help you understand your options at retirement. You will be able to access the service online, over the telephone and face to face. Further details are now available at www.gov.uk/pensionwise.

Please note that ITB Fund staff members are not permitted to give you financial advice.