Spectrum
Finance

Planning & retirement

Wellbeing is not just about the present, it includes feeling positive about the future. And because planning is key to enjoying a rewarding retirement, we have a range of benefits to help you plan for the longer term and enjoy the post-work years.

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Investments and savings
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Our workplace savings benefit allows you to build up investments for a worry-free future through a Stocks & Shares ISA, a General Investment Account (GIA) and a Lifetime ISA (LISA), for savings that can be accessed as needed, whatever your life stage. These savings products are provided by Fidelity and are available to permanent employees and those on fixed term contracts via deductions from net salary.

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Wills
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Having a will makes your wishes clear and can make life easier and more secure for your family after you die. Our Wills service is offered through James McKenzie Ltd. There are two levels of service available to permanent employees and those on fixed term contracts, and their partners.

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Lasting Power of Attorney (LPA)

Unfortunately, mental and physical incapacity can happen at any time. For peace of mind, you may wish to set up an LPA for you and/or your partner or your parents. An LPA gives another individual the legal authority to look after specific aspects of your financial affairs or health and welfare if you lose the capacity to do so.

LPAs are recognised by financial institutions, care homes and local authorities, as well as tax, benefits and pension authorities. Our LPA service is provided by James McKenzie Ltd. It offers four levels of service and is available to permanent employees and those on fixed term contracts.

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Planning for the future now can make sure you’re on track for a healthy financial future, without the burden of money worries when you retire. 

Members of the BNP Paribas Pension scheme can select additional pension contributions through salary exchange, and benefit from a 10% subsidy from BNP Paribas. Alternatively, you can choose to convert some of your pension into taxable cash.

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