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The RMPP lets you build pension savings with help from Royal Mail. This area describes the Cash Balance benefits for members that  joined the RMPP on or after 1 April 2018. There are separate areas for members who joined before 1 April 1987 and for members who joined between 1 April 1987 and 31 March 2018.

You can take up to 25% of your Cash Balance benefits as a tax-free lump sum. Anything over the 25% can be taken as taxable cash or transferred to an annuity or drawdown arrangement.

What is...?

An Annuity

You can buy an annuity from a provider using some or all of your pension pot. It pays you an income either for life or for a set period.


Drawdown lets you to take money from your pension fund whilst it’s still invested with your chosen drawdown provider.

But remember....

For drawdown or an annuity you will need to transfer your benefits to an annuity or drawdown arrangement.

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Understand my benefits

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See my options at different ages

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If you don’t know which section you’re in, contact the Helpline (contact details are at the bottom of the page); or If you recieve an Annual Benefit Illustration the section is noted on the front page.