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Other tools and resources

Alongside the content of this website, there are a range of resources and tools for you to consider using as part of your retirement planning journey.

Please note, external links and external content are selected and reviewed when the page is published. The Scheme, the Trustee and Willis Towers Watson are not responsible for the content of external websites. The inclusion of a link to an external website should not be understood to be an endorsement of that website or the site’s owners (or their products/services).

If you are a member of either Silver or Gold levels of the First Bus Retirement Savings Plan, Mercer OneView has a range of tools and resources to help better understand your situation.
To access the Mercer OneView portal, visit: firstbuspensionschemetrustee.co.uk.

The Mercer online Retirement Illustrator
Use the Retirement Illustrator to provide you with an example of what your income might look like at your chosen retirement date. You can adjust the details in the tool to help reflect your own personal situation and expectations.

Obtain a transfer value
If you are interested in finding out more about what transferring out of the Scheme could mean for you, then you can obtain a transfer value online through Mercer OneView.

Further resources
Mercer OneView also provides a range of articles and resources through the online Education Centre. Here you can read about the different types of pension arrangements as well as any recent tax updates.
If you have DC benefits in the First Bus Retirement Savings Plan, Aegon TargetPlan has a range of tools and resources to help better understand your situation.

To access Aegon TargetPlan go to:

The Aegon online planning tool
Use myTarget to help you understand what your retirement income might look like. And if you’re not on track, it can help you understand what you might need to do to help you achieve your target income.

Fund comparison tool and further resources
TargetPlan can also help you become knowledgeable about saving for retirement, so that you can make informed choices. Access fund information, such as fund factsheets, to help you in your investment decisions
If you have Additional Voluntary Contributions (AVCs) in addition to your Scheme benefits, you can access further information by visiting firstbuspensionschemetrustee.co.uk and navigating to ‘Retirement Info for AVC members (Mercer)’ on the login page.

MoneyHelper retirement information
From an easy to understand pension savings timeline to detailed information on retirement income options, you’ll find it all on MAS.
Visit the MH website

FCA guide to transferring out of a defined benefit pension scheme
More information about transferring out from the Scheme and what to think about from the FCA.
Visit the FCA website

MoneyHelper pension calculator
Find out your likely retirement income. In a few easy steps, the MoneyHelper pension calculator can give you an estimate of your retirement income.
Use the MH calculator

MoneyHelper annuity comparison tool
According to the FCA, 8 out of 10 people lose out by not shopping around for the best annuity for their personal circumstances. This tool from MoneyHelper can help.
Use the MH annuity comparer

Do you earn enough for a decent a decent standard of living?
From the Joseph Roundtree Foundation, the minimum income calculator can help you see what your costs will be and what benefits you may be entitled to.

Use the minimum income calculator

The contract for the advice would be between you and Origen and the advice provided is confidential. It is your choice whether to use Origen. The Trustee and Aptia (formerly Mercer) are not responsible for any advice you receive or any decisions you make, or actions you take, as a consequence of receiving advice.
Built on behalf of the The First Bus Retirement Savings Plan by Willis Towers Watson. The information
  • is a summary of the applicable law and the Scheme’s trust deed and rules as at May 2021
  • is not a definitive statement of the applicable law or the Scheme’s trust deed and rules and is not legally binding
  • does not constitute financial advice or create any entitlements for members (or anyone else) in relation to the Scheme
In the event of any discrepancy between the information on this website and the applicable law and / or the Scheme’s trust deed and rules, the applicable law and / or the trust deed and rules will prevail.
You should not rely on the information on this website alone and you should consider seeking independent advice before making any decisions in relation to your pension savings (but noting that the Scheme, the Trustee and WTW are not responsible for any advice you receive or any decisions you make or actions you take as a consequence of receiving advice). The applicable law is likely to change over time, and so you should also keep an eye out for any developments which may affect you as you approach retirement. By continuing to use this website you’re accepting its purpose and any limitations.
External links and external content are selected and reviewed when the page is published. The Scheme, the Trustee and WTW are not responsible for the content of external websites. The inclusion of a link to an external website should not be understood to be an endorsement of that website or the site’s owners (or their products/services). Copyright © 2024 Willis Towers Watson. All rights reserved.
© 2024 The Scheme is governed according to the provisions of its formal Rules as well as applicable law. Material on this Portal provides commentary on pension developments for general information and in relation to your pension in the Scheme Material on this Portal also summarises the Rules and some applicable law. However, this Portal is not intended to replicate the Rules and to the extent that any material on the Portal contradicts the Rules, the provisions of the Rules will always take precedence. The material on this Portal is based on the Trustee’s understanding of tax and other legislation in force as of June 2024.