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Home  >  Pensions  >  Pru FRP - Personal Pension with SIPP Options  >  Protected Rights and Contracting Out

Protected Rights and Contracting Out

We can accept Protected Rights within the following pre and post retirement products:

Pru Flexible Retirement Plan (FRP)

Protected Rights can be held under a client's FRP, in both the personal pension and income drawdown plans. This means one solution for all your client's pension pots, providing:

  • Simplicity for the client
  • Less initial sale and review work for you as you only have one plan to set-up and manage
  • Help with the transfer process with our Transfer Desk
  • AMC discounts for consolidation of funds. This means your clients could pay lower AMCs if they consolidate their Protected Rights into the FRP. Find out more about our AMC discounts.
  • Consistency of investment choice for your client's Protected Rights and non-Protected Rights funds under the FRP*
  • Protected Rights funds can be used to increase a client's borrowing power for commercial property purchase. Clients can borrow an amount up to 50% of the net value of their FRP, including Protected Rights

*Note Protected Rights funds cannot currently be invested in the Self Invested Fund

For UK Adviser Use Only - Not Approved For Use With Clients