Buckets with purpose
To make members pension savings work as hard as possible we ask them to split them into three buckets. Members are given projections all the way through and can change the amounts in each bucket and nothing is set in stone.

Keeping members in control of their money.
Allowing members to decided how they want to split their savings for the retirement they want to have.
Income buckets
Two different income buckets to meet members changing needs in retirement.
Members use this bucket to take a regular income in the early years of their retirement. We’ll show them how much they could take on a regular basis to help them plan for retirement.
Members can leave money invested to buy a guaranteed income from an annuity provider later in retirement. Buying an annuity later means they may get a better rate.
Saving bucket
Life is unpredictable – members can use this for one-off withdrawals.
Members can dip into this bucket when they need to. Members can withdraw money from this bucket whenever they want and it’ll be in their bank account a few days later.
Register for early access to Smart Retire
Register for a demo and discover how Smart Retire works for members
See how members can build their illustration using our three bucket or take out a lump sum
Once their illustration is saved find out how the member journey continues
Once the demo is complete you can ask our team to keep you up to date with the latest Smart Retire news
We’re here to help
Have a question about Smart Retire? Our friendly team is here to help.
Simply send us a secure message using our Register for a test drive buttons.