GuiidePath

Guiide Partnership and Product Information

Pathlines has partnered with Guiide, a free online planning tool designed to assist consumers in effectively preparing for retirement.

 Our pension product integrates seamlessly with Guiide, allowing you to create your personalised retirement plan and apply directly with us. Once you have created your Guiide plan, we manage the rest, ensuring your retirement journey aligns perfectly with your goals.

You can learn more about Guiide at www.guiide.co.uk. Registration and use of their tools are completely free, with no obligation to purchase a product. Upon completing your Guiide plan, if eligible, you can apply online for our GuiidePath product.

Remember, investments can fall as well as rise in value.

 

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Who are Guiide?

Guiide is a free independent pension calculator that guides through retirement planning in 6 simple steps:

  1. About You
  2. Your needs
  3. What you have
  4. Build a plan
  5. Test the plan
  6. Track your plan

Guiide captures key details to develop a tailored retirement strategy specifically for your requirements.

Our pension product is further strengthened by using the Invesco funds, a globally recognised fund provider. Invesco’s expert fund management ensures your investments remain aligned with your Guiide plan, supporting you in achieving your retirement objectives.

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Frequently Asked Questions

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Yes, you can monitor your fund value through Guiide and the pension provider’s online portal. Annual reviews allow adjustments as needed.

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The product works best when consolidating pensions. However, you may choose to keep other investments elsewhere if your secure income requirements are adequately covered.

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Yes. Our pension provider is covered by the FSCS up to a maximum of £85,000. Most regulated investments are also covered by the FSCS up to £85,000. For more information, visit www.fscs.org.uk.

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This product is aimed at individuals aged 50 or over with a pension pot of at least £50,000, designed to support retirement planning through Guiide’s tools.

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The product carries an annual charge of approximately 0.5% of your pension pot value. Investment fund charges range between 0.2% and 0.4%, with potential minor additional costs for the Income fund, resulting in total charges between 0.7% and 1% annually.

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Our product offers competitive charges (0.7% to 1%) alongside tailored guidance from pension experts. You benefit from a sustainable, tax-efficient withdrawal strategy, automated payments, and an investment plan specifically tailored to your retirement income and objectives.

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No. Guiide, the pension provider, and Invesco do not provide regulated financial advice. For guidance, you may use PensionWise, a free impartial government service, or refer to the Money Helper guide available at MoneyHelper.org.uk.

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Advice typically costs around 2.4% annually, whereas our guidance-based product averages between 0.7% and 1%, potentially offering significant cost savings over time.

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You can update your plan annually in March. Guiide will remind you, with changes effective from April. You can also review your plan at retirement.

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Our tailored investment strategy closely matches your specific income and timing needs, significantly reducing risks compared to traditional life-styling strategies.

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Yes, ad-hoc payments are permitted and limited to the Growth Fund’s value to safeguard your planned matched income.

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Drawdown pensions carry risk, and it is possible to exhaust your funds. However, ongoing guidance, annual reviews and tailored planning tools can help you to mitigate this risk.

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Yes, after age 55 (57 from April 2028), you can withdraw your funds as cash, transfer your pension without exit fees, or purchase an annuity.

For further assistance, please contact our team directly. Independent financial advice is always recommended. Pathlines, Guiide and Invesco do not provide regulated financial advice.

For further guidance and to make your choices clearer, you can access the MoneyHelper service for free government backed information on your financial and pensions matters.

Key Documents

GuiidePath
- Key Features

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GuiidePath -
Terms & Conditions

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GuiidePath
- Fee Schedule

Download

Pathlines Pensions UK Limited (formerly named London & Colonial Services Limited), Company No. 02966313. Registered in England & Wales:, 1st Floor, Lakeside House, Shirwell Crescent, Furzton, Milton Keynes, MK4 1GA. Pathlines Pensions UK Limited is authorised and regulated by the Financial Conduct Authority No. 463876

Why Choose Us

Products

Planning Tools

Knowledge Centre

Key Documents

Guide to Contributions
Guide to accessing pensions
Transferring your pension

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