BTP logo
  • Accessibility
  • Help
Tel: 0800 012 1117
  • Contact us
  • Log In / Register
Burger Menu Icon

Menu

Close Icon
Log In / Register

Pension essentials
Chevron Down Icon
Chevron Down Icon What is the Fund? Chevron Down Icon Benefits Chevron Down Icon Need more advice? Chevron Down Icon Opting out Chevron Down Icon Forms
In the Fund
Chevron Down Icon
Chevron Down Icon Paying into 1970 or 2007 section 
Chevron Down Icon 3 things you should do Chevron Down Icon My options Chevron Down Icon My benefits Chevron Down Icon AVCs: boosting my benefits Chevron Down Icon Your tax limits Chevron Down Icon Looking after your loved ones Chevron Down Icon Life changes Chevron Down Icon Work out your costs Chevron Down Icon Leaving the Fund Chevron Down Icon Forms Chevron Down Icon Transferring benefits Chevron Down Icon Help and advice
Chevron Down Icon Paying into CARE
Chevron Down Icon Understanding your benefits Chevron Down Icon My options Chevron Down Icon 3 things you should do Chevron Down Icon Looking after your loved ones Chevron Down Icon Your tax limits Chevron Down Icon AVC Extra — saving more Chevron Down Icon Transferring your benefits Chevron Down Icon Life's big changes Chevron Down Icon Opting out Chevron Down Icon Forms Chevron Down Icon Help and advice
Chevron Down Icon No longer paying in
Chevron Down Icon My benefits Chevron Down Icon My options Chevron Down Icon Looking after your loved ones Chevron Down Icon Life changes Chevron Down Icon Transferring benefits Chevron Down Icon Forms
Chevron Down Icon Planning for retirement
Chevron Down Icon Types of retirement Chevron Down Icon Applying for my pension Chevron Down Icon Saving for retirement Chevron Down Icon My options Chevron Down Icon Pension transfers and retirement Chevron Down Icon Help and advice
Chevron Down Icon BRASS AVCs
Chevron Down Icon I want to join BRASS Chevron Down Icon I'm a BRASS member Chevron Down Icon My fund choices Chevron Down Icon BRASS forms Chevron Down Icon Prices and performance charts Chevron Down Icon How can I take my BRASS?
Chevron Down Icon AVC Extra
Chevron Down Icon What is AVC Extra? Chevron Down Icon My fund choices Chevron Down Icon Forms Chevron Down Icon Taking my AVC Extra 
Chevron Down Icon Your Maximum Pension Age and maximum membership 
Chevron Down Icon Reaching maximum membership service Chevron Down Icon Maximum Pension Age
Chevron Down Icon Taking a career break
Retired
Chevron Down Icon
Chevron Down Icon Pension payments and P60s Chevron Down Icon Pension payment calendar Chevron Down Icon Death benefits Chevron Down Icon Annual pension increase Chevron Down Icon The State Pension Chevron Down Icon Returning to work? Chevron Down Icon Penfriend Chevron Down Icon Useful contacts Chevron Down Icon Contact us Chevron Down Icon Overseas bank details Chevron Down Icon Tracing our members
Resources
Chevron Down Icon
Chevron Down Icon Retirement Budgeting Calculator Chevron Down Icon Forms Chevron Down Icon Read as you Need guides Chevron Down Icon Video library
Chevron Down Icon Welcome to your pension Chevron Down Icon Planning and saving
Chevron Down Icon Frequently asked questions Chevron Down Icon Latest news Chevron Down Icon Reporting a member's death Chevron Down Icon Divorce and my pension Chevron Down Icon Glossary Chevron Down Icon Newsletters
Chevron Down Icon Penfriend Chevron Down Icon Focus Chevron Down Icon Extra
Chevron Down Icon Pension scams Chevron Down Icon Report & Accounts Chevron Down Icon Sustainable Ownership Chevron Down Icon Taskforce on Climate-Related Financial Disclosures (TCFD) Report Chevron Down Icon Statement of Investment Principles Chevron Down Icon Staff travel Chevron Down Icon How to give us feedback or make a complaint Chevron Down Icon Contact us Chevron Down Icon Communication preferences Chevron Down Icon Financial Wellness Support
  • Pension essentials Chevron Down Icon
    What is the Fund? Benefits Need more advice? Opting out Forms
  • In the Fund Chevron Down Icon
    Paying into 1970 or 2007 section  Paying into CARE No longer paying in Planning for retirement BRASS AVCs AVC Extra Your Maximum Pension Age and maximum membership  Taking a career break
  • Retired Chevron Down Icon
    Pension payments and P60s Pension payment calendar Death benefits Annual pension increase The State Pension Returning to work? Penfriend Useful contacts Contact us Overseas bank details Tracing our members
  • Resources Chevron Down Icon
    Retirement Budgeting Calculator Forms Read as you Need guides Video library Frequently asked questions Latest news Reporting a member's death Divorce and my pension Glossary Newsletters Pension scams Report & Accounts Sustainable Ownership Taskforce on Climate-Related Financial Disclosures (TCFD) Report Statement of Investment Principles Staff travel How to give us feedback or make a complaint Contact us Communication preferences Financial Wellness Support
  • Let's hear it for the girls!

    Mar 3, 2023
    To mark International Women’s Day and Mother’s Day this month, we’re suggesting ways to help women (and some men too) increase their workplace pension and maybe boost their State Pension as well.
    Full story
  • Make the most of pension saving before the tax year is up

    Feb 21, 2023
    The 2022/23 financial year is soon to come to an end meaning two things for pension savers. Now is not only a perfect time to make sure you are making the most out of your pensions tax benefits, it’s also a great chance to review your saving plan in general.
    Full story
  • Give your pension some love this Valentine’s Day

    Feb 8, 2023
    The world of pensions may seem daunting, but regularly checking in will help you get to know your pension and feel much more prepared for when you stop working. Learn more about how you can give your pension some love this Valentine’s Day…
    Full story
  • Your death benefits, protection for the future

    Jan 31, 2023
    Your pension comes with a range of benefits. Including some that could be paid out when you die.
    Full story
  • Moving jobs? Stay connected with your your old pension!

    Jan 23, 2023
    The start of the New Year may be the time you decide to move on in your career. Switching jobs means you’re probably going to leave a pension behind. Save yourself the hassle of having to hunt down old pensions by simply keeping track of them all as your career progresses.
    Full story
  • Get to know your Trustee Chair, Christine Kernoghan

    Jan 19, 2023
    Your new Trustee Chair, Christine Kernoghan has worked in the railway industry for nearly 40 years, and has over 20 years’ involvement in the railway pension schemes.
    Full story
  • Our most read articles for 2022

    Dec 13, 2022
    Wrapping up the year in style with our five best articles from 2022.
    Full story
  • Your 10-point, year-end pension checklist

    Dec 7, 2022
    No matter how near or far away retirement is for you, when it comes to your pension, it really pays to plan ahead.
    Full story
  • The December 2022 Focus newsletter is now online

    Dec 5, 2022
    The latest issue of the Focus newsletter for members currently paying into the Fund is now online.
    Full story
  • Pensions and the Autumn Budget 2022

    Dec 5, 2022
    On 17 November 2022, Chancellor Jeremy Hunt announced the Autumn Budget under the new Prime Minister, Rishi Sunak. So what does this mean for pensions?
    Full story
  • Calling all railway pensioners!

    Nov 8, 2022
    The Railway Benefit Fund (RBF) is hosting a free social event this month to bring the retired rail community together.
    Full story
  • Stay alert! Pension scams are on the increase

    Nov 8, 2022
    The Financial Conduct Authority (FCA) has raised concerns that rising costs of living could make you more vulnerable to pension scams. Find out more about how you can protect your savings from scams and what to do if you're suspicious.
    Full story
  • Investment market update

    Oct 14, 2022
    There has been a lot of coverage in the media about the impact of Liability Driven Investment (LDI) funds on pension schemes. The railways pensions schemes do not currently use Liability Driven Investment (LDI) funds and are not in the same position as some pension schemes mentioned in the press.
    Full story
  • Reunite with an old or lost pension this October

    Oct 13, 2022
    Join National Pension Tracing Day on 30 October – a nation-wide initiative aiming to encourage pension savers to track down old or lost pension pots.
    Full story
  • New Sustainable Ownership Review for members is out now!

    Oct 13, 2022
    Railpen, the investment manager of the British Transport Police Force Superannuation Fund (BTPFSF), has published its 2021 Sustainable Ownership Review.
    Full story
  • It's free wills month

    Oct 13, 2022
    Free will month is taking place this October for a second time this year. It allows those aged 55 and over to have a will drafted or updated free of charge.
    Full story
  • Pay your pension some attention events to take place in October

    Oct 13, 2022
    Pension Awareness Week events, originally scheduled to run in September, will resume on 31 October.
    Full story
  • Penfriend out now!

    Oct 3, 2022
    The latest issue of Penfriend, our newsletter for retired members of the railways pension schemes, is available online now.
    Full story
  • Pay your pension some attention!

    Sep 8, 2022
    Organisations from across the pensions industry are joining forces this autumn/winter to help you understand your pension and get your retirement plans on target.
    Full story
  • What is Pension Credit?

    Aug 23, 2022
    Pension Credit is a payment from the government which could help you with your living costs if you’re over State Pension age and on a low income. Find out more about how it works and who can claim it.
    Full story
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • »

Also in this section

  • Retirement Budgeting Calculator
  • Forms
  • Read as you Need guides
  • Video library
  • Frequently asked questions
  • Latest news
  • Reporting a member's death
  • Divorce and my pension
  • Glossary
  • Newsletters
  • Pension scams
  • Report & Accounts
  • Sustainable Ownership
  • Taskforce on Climate-Related Financial Disclosures (TCFD) Report
  • Statement of Investment Principles
  • Staff travel
  • How to give us feedback or make a complaint
  • Contact us
  • Communication preferences
  • Financial Wellness Support
POWERED BY: 
  • The Trustee
  • Administration and Investment
  • Terms and Conditions
  • Disclaimer
  • Privacy Notice

Railways Pensions is powered by Railpen Limited
© Railpen Limited 2010-2025. Registered Office: 100 Liverpool Street, London EC2M 2AT

Each of Railpen Limited (registered in England and Wales No. 2315380) and Railway Pension Investments Limited (RPIL) (Registered in England and Wales No. 1491097) is a wholly owned subsidiary of Railways Pension Trustee Company Limited (Registered in England and Wales No. 2934539). Registered office for each company: 100 Liverpool Street, London EC2M 2AT. RPIL is authorised and regulated by the Financial Conduct Authority for some of its activities. The administration of occupational pension schemes is not a regulated activity. Full details about the extent of RPIL's authorisation and regulation by the Financial Conduct Authority are available from us on request.

Privacy Settings

Please manage your cookie choices by switching the consent toggles on or off under the purposes listed below. You can also choose to click:

Accept All Reject All
Member portal essential cookies
We use these cookies to ensure our services work correctly. They cannot be switched off. You can find out more in our privacy policy and cookie policy.
Cookie
Purpose
Sitefinity
These cookies are part of the website log in mechanism. They allow authenticated users to access secure content across Railpen websites.
Vimeo
Cookies used to control the Vimeo video player. Railpen websites use Vimeo to deliver video content unencumbered by commercial messages.
Virtual Assistant
Cookies required by the Virtual Assistant window for it to display and function correctly.
Network
These cookies are part of the website log in mechanism. They allow authenticated users to access secure content across Railpen websites.
Analytical cookies Allow
These cookies allow us to improve our website.
Cookie
Purpose
Hotjar
Railpen uses Hotjar to analyse how customers are using our website, with a view to improving customer experience. However, it does not use Hotjar’s Visitor Recordings facility.
Allow
Google Analytics
These cookies are used to collect information about how visitors use our site.
Allow