The people behind your pension

Paperwork, policies and plans are just part of what we, as your Trustees, manage to support your future.

But what else do we do?

For us, it’s not about ticking boxes – it’s about real change that gives you real confidence when it comes to your Citi pension. Helping you understand who we are, the decisions we make, and the ‘why’ behind them matters to us. Find out how we do it here.

Behind the scenes of your pension
Taking honey from the hive…
Your retirement choices
Why it matters

As your Trustee, we want to help you understand your retirement options when that time comes – whether that's a lump sum, a regular income through an annuity or drawdown, or a mix of all of them. None of them are wrong, but knowing what's possible means the choice ahead feels yours to make.

Top tips

Just like the bees in our latest Trustee Story, the day you take your pension from the hive is closer than it feels - and the time to start exploring the forest is now.

Not ready to take all your honey at once? We've negotiated competitive terms with Legal & General Mastertrust Pension Access Scheme, making it one of the many retirement options available if you're looking to move your hive elsewhere to access your honey flexibly. 

Every bee's journey is different, so it's important to explore what's right for you. While we've made this option available, we're not recommending or endorsing it over any other route. Take time to explore your options and consider speaking to financial adviser who knows the forest well.

Check my options
Every contribution counts
Gathering wisely
Why it matters

Your pension’s already growing - but could it grow faster? Every contribution builds a stronger foundation for the future. And when Citi adds to that, the impact multiplies. Starting early, reviewing regularly and making the most of matching contributions or any bonus you get can make a real difference to the life you live later.

Top tips

It’s never too late to start. A new role, pay rise or bonus is the perfect time to review your contributions and see if you can add a little more. Even small increases add up over time, especially if you’re making the most of Citi’s Matching Contributions - helping your pot grow faster than you think.

Check my savings
Nominate your beneficiary
Small changes, big impact
Why it matters

One of the hardest decisions we face is deciding who should receive your retirement savings if you die. It’s a big responsibility – and one we take seriously. But without your input, we’re left guessing.

By nominating your beneficiaries, you help us honour your wishes and support your loved ones when it matters most.

Top tips

Don’t put it off. Nominating your beneficiary on MyCitiPension is quick and easy. Life happens. Things change. Without an up-to-date nomination, things can get complicated – fast.

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Steps we’re taking for future you.
  • Holding true to our investment principles.

    Working with our advisers to make sure the investments are doing what we need them to do.

  • Protecting your pension.

    We follow strict governance to keep your Plan well-run, compliant and aligned to your best interests.

  • Informing you at every step.

    With clear updates, helpful tips and explanations of government changes that actually make sense, we keep you in the loop.

We’re here to help you take the right steps towards the future you deserve.