EXCLUSIVELloyds Bank 開始する，打ち上げるs first-of-its-肉親，親類d 'ready made' 年金 service

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Lloyds Bank 顧客s will now be able to 連合させる their 存在するing 年金 マリファナs or open a ready-made 年金 through their 動きやすい banking app or internet banking.

Lloyds Bank has teamed up with Scottish 未亡人s to 開始する，打ち上げる an app-based 年金s service called Ready-Made 年金s.

The service will 許す 年金 savers to 強固にする／合併する／制圧する up to 10 存在するing 年金 マリファナs, or create a new 年金 マリファナ with Scottish 未亡人s through their Lloyds Banking app which is tailored to their age and 退職 計画（する）s.?

The service will be 利用できる to Lloyds Banking Group's 21.5million 顧客s, 含むing those with Lloyds Bank, Halifax and Bank of Scotland. It is the first time a big bank has 開始する，打ち上げるd a ready-made 年金 製品 of this 肉親，親類d.

Lloyds Bank has become the first big bank to 開始する，打ち上げる a ready-made 年金 service which will be 利用できる to 20million 顧客s across Lloyds, Hal ifax and Bank of Scotland

顧客s can open a ready-made 年金 with a 最小限 of £5,000 or 始める，決める up 月毎の 出資／貢献s from £150 a month.?

存在するing 年金s of £10,000 or more can be transferred in.

The 開始する，打ち上げる comes as new 研究 shows that 47 per cent of UK adults wish to manage their 年金 through their banking app.?

A その上の 50 per cent say they would engage with their 年金 more 定期的に if it were accessible 経由で their banking app.

Should you 連合させる your 年金 マリファナs??

It can make 退職 投資するing easier (and 潜在的に cheaper)... but beware losing 価値のある perks.

Read a This is Money guide on whether to 合併する your 年金s.

Jo Harris, director at Lloyds Bank said: 'We 手配中の，お尋ね者 to create a 年金 製品 that was genuinely 平易な to use, simple to 接近 and 除去するd and 除去するd all the jargon which can be so off putting.'

The ready-made 年金s 製品 could be 特に useful for self-雇うd people, who don't 利益 from 存在 自動車-入会させるd into a workplace 年金 計画／陰謀.?

Between April 2018 and March 2020, only 20 per cent of self-雇うd people paid into a 年金 compared to 80 per cent of 従業員s, 人物／姿／数字s from Lloyds 示唆する.

Jackie Leiper, managing director of 年金s at Lloyds Bank said: 'There is a real 適切な時期 for Ready-Made 年金s to help self-雇うd people - for many of this group their 商売／仕事 is their 年金.

'Those who are self-雇うd have been overlooked in the discussion of saving for 退職. 伝統的に, up until now. self 雇うd people have had to take 財政上の advice to get started with 投資するing in their 年金.'

What will your 年金 支払う／賃金 for? 人物／姿／数字s from the 年金 and Lifetime 貯金 協会 have 輪郭（を描く）d what today's savers might be able to 推定する／予想する

Henry Tapper, 創立者 of 年金 comparison service AgeWage said: 'It seems big banks are finally arriving into the 21st century when it comes to 年金s.

'It is good to see that banks are waking up to the fact that they have have some muscle, but I'm not 圧倒するd.?

'PensionBee has been doing this for some time, and doing it 井戸／弁護士席 but that said Lloyds Bank's 申し込む／申し出ing is good news for savers, 特に if they fancy having a Scottish 未亡人s 年金 with their bank.'

What are the 料金s on the Ready-Made 年金??

Lloyds Ready-Made 年金s will have an 年次の account 料金 of 0.3 per cent, or a 最小限 of £5 a month.

The 現在進行中の 投資 告発（する），告訴（する）／料金s are 0.24 per cent and there is a 処理／取引 cost of 0.14 per cent.

年金 Bee's 料金 structure, by comparison, 減少（する）s the bigger your マリファナ is. Depending on the 計画（する）, 年金 savers will 支払う／賃金 between 0.50 per cent and 0.95 per cent. This halves on the 部分 of your 貯金 over £100,000.

There are no drawdown 料金s and no 出口 料金s with Lloyds Bank's ready-made 年金 service.?

Tapper said the 申し込む／申し出 seemed 'reasonably 競争の激しい' compared with the 残り／休憩（する） of the market.?