Need help and guidance?
We can’t provide guidance or advice about how to take your pension savings, but a specialist can. Get help with finding the right help and visit our Guidance and advice page.
Taking flexible income (also known as drawdown) means managing your investments long term.
Before you make a decision on where to invest your money, it’s worth looking at some of the considerations around how long it’ll last and what you’ll need to spend it on, and managing your investments long-term before you do.
There are four main paths you can take with Embark, and these are set out below.
Remember: you can look around for other options with other providers. You don’t have to choose to access your pension savings with Embark. If you do choose to move your pension savings to drawdown with Embark now, but wish to change later, you can do so. MoneyHelper has some helpful information on how you can do this if you want to.
Your options
Get financial advice
Get help from a qualified financial adviser to help you make an investment decision.
Stay in your current investment choice
Once you’ve taken your first income withdrawal, or received your tax-free lump sum, you can choose to stay invested in your current funds.
Make your own investment choice
Once you’ve taken your first income withdrawal, or received your tax-free lump sum, you can choose your own funds from Embark’s full fund range and manage your own investment choices going forward.