pension transfer
- (a) to transfer deferred benefits (regardless of when the retail client intends to crystallise such benefits) from:125230
- (ii) an individual pension contract providing fixed or guaranteed benefits that replaced similar benefits under a defined benefits pension scheme; or125230
- (iii) (in the cancellation rules (COBS 15)) a stakeholder pension scheme or personal pension scheme,125230
- (iv) a stakeholder pension scheme; 125230
- (v) a personal pension scheme; or125230
- (b) to require the trustees or manager of a pension scheme to make a transfer payment in respect of any safeguarded benefits with a view to obtaining a right or entitlement to flexible benefits under another pension scheme.125230
a transaction,52 resulting from the decision of a retail client 52who is an individual:125230