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For details of the charges Zurich take for your plan take a look at your plan’s key facts and terms and conditions. Fund changes - November 2019 Job Interviews - Record your interview from either side for later review to improve your interviewing skills.

Our opening hours are 8.30AM to 5.30PM Monday to Friday and 09.30AM to 12.30PM Saturday, excluding Bank Holidays.Funds allow you to choose how and where your money is invested. Some funds invest in shares, others in property or other types of assets. We’ve updated the investment objectives of the Zurich-managed Property funds to allow them to invest in residential property and hotels. This is to adapt the fund to changes in the way we live with more people working from home and shopping on-line as the population grows and ages. This helps spread the risk that any individual asset class may adversely impact the fund. Mini-budget 2022 and subsequent events – impact on the financial markets and your investment with us Delivery Proof - If you deliver goods or food for a living it’s a sure way to prevent discrepancy by recording every delivery. When a fund enters wind up, it is not possible to buy or sell units in the fund. During a wind up the fund manager will sell the remaining investments in the fund and distribute the proceeds of these sales to customers. The wind up process may take some time to complete and customers will be updated each time sales proceeds are made available in their plan. If you need someone to act on your behalf, we will need to receive a lasting power of attorney. You can find out more about this, including costs, in our guide.

However, bringing your retirement savings together into one Zurich plan may not be right for everyone. There’s no guarantee you’ll get a better income or pay lower charges by transferring, and you could lose valuable benefits or guarantees you have with your old pension. If you invested in the Zurich JPM Emerging Europe Equity ZP fund at the time it was suspended, you’ll be affected by these changes. We recommend you review your existing fund holdings to ensure they still meet your investment needs. Candid Capture - Record your subject in its natural settings without revealing that they are on camera. The Zetronix zPen-1080 is a slim writable pen housing a tiny camera with HD Video & Audio capabilities. The slim pen records video at 1920x1080 resolution with crystal clear audio. Reliable operation and rugged internal components have led this to be the pen of choice by police departments such as the NYPD, government agencies, and private investigators. The laser etched glass lens allows maximum light to enter the tiny unnoticeable pinhole camera to produce an extremely clear a vivid picture. The zPen-1080 is truly remarkable with a variety of modes; video recording with audio, still photos camera to snap clear detailed images or voice recording. Whether you need someone to access your information, act on your behalf, or if you need to access information for someone else, we’re here to help. If you need someone to access information on your behalfFully Functioning Pen - Not only a state-of-the-art camera, but the zPen-1080 is also a fully functional pen with replaceable ink. A letter of authority allows someone you trust to access your financial information. Once we receive a completed letter of authority from you, we can share information with them. Whether you need someone to access your information, act on your behalf, or if you need to access information for someone else, we’re here to help. The funds in the link above are global equity and emerging market funds which continue to operate as normal. Where a fund had Russian exposure any drop in value will already be reflected in current valuations. If your overall portfolio includes a range of funds, it is likely that the Russian exposure is only a small part of its overall value. Switching into, or out of, these funds will neither increase or reduce exposure to Russian investments whilst they are unable to be traded. to watch over the interests of its members generally and to represent them in any matter relating to pensions, social benefits and welfare.

You can: Set up regular withdrawals, make a partial withdrawal, or withdraw all the money you've invested - also known as 'cashing-in' or surrendering. Next steps Each year you will receive a pension statement to tell you how your pension plan is doing. For more information about your statement follow the link below. Getting Harassed? - If you are being harassed by your neighbors, co-workers, family, or others, nothing is better than this pen to prove your case. We may record or monitor calls for training and quality purposes. Want to take money out of savings and investment plans? There may be an initial charge on some funds before we buy units. You’ll find more information in your plan’s key facts and terms and conditions. Fund transaction charges

The amount you get from your pension at retirement will depend upon the performance of the funds your plan is invested in. It is important that you choose funds that are right for your circumstances, investment objectives and attitude to risk. Over time these may change, so it is important to regularly review your fund choices. We do not charge you for changing your fund choices.