Defined benefit pension schemes sometimes offer members a cash incentive to transfer out — an Enhanced Transfer Value. These offers can appear attractive, particularly during periods of high transfer values, but accepting one means giving up a guaranteed, inflation-linked income in retirement. Whether that is the right decision depends entirely on your personal circumstances, health, other assets, and attitude to risk. PPFS provides independent ETV analysis so that you can assess the offer clearly, understand what you are being asked to give up, and make a fully informed decision.
“Do you understand what you’d be giving up permanently by accepting an ETV offer?”
