An MSV Retirement Plan can help make your retirement more rewarding. You have complete independence and control to tailor the plan to suit your personal circumstances:

 •Control - you decide how much to save, even opting to change the amount in the future. You also decide where to invest.

•Flexibility - you can increase or decrease your contributions, stop for up to 5 years, then start saving again.

•Freedom - should you change jobs or become self employed, you can continue to save into your retirement plan because it is in your name and for your own benefit.

•Independence - the Plan is designed to pay you a lump sum at retirement to either convert into a regular income or to spend as you wish. You will also have the option to reinvest the proceeds in an annuity, subject to terms and conditions applicable at that time and subject to such products being available.

• Choice - Although the minimum term of the plan is 10 years, you are free to decide at what age you would like to access retirement benefits.