Low costs
The costs of keeping your frozen holiday allowance funds as a savings account with us are very low. In fact, they are lower than with most other savings options.
In 2025, we in LD Pensions charged just 0.04% to manage your savings. Total investment costs amounted to just 0.38%. That’s a total of around 0.42% in annual costs.
Low costs mean your savings grow in value. This is because only a small portion of the Return is deducted to cover costs.
In 2025, we in LD Pensions charged just 0.04% to manage your savings. Total investment costs amounted to just 0.38%. That’s a total of around 0.42% in annual costs.
Low costs mean your savings grow in value. This is because only a small portion of the Return is deducted to cover costs.
Your very own savings account
On the day you receive your accrued holiday allowance funds, you will be paid a single lump sum which you are free to use as you wish.
Your savings can remain in the scheme for as long as you wish, even after you become eligible for payment. You simply need to choose to defer the payouts. This can act as a sort of financial reserve or buffer, which can grow whilst you wait until you need it.
If you have chosen to defer the payouts, you can have your holiday allowance funds paid out at any time by requesting them via the self-service portal.
Your savings can remain in the scheme for as long as you wish, even after you become eligible for payment. You simply need to choose to defer the payouts. This can act as a sort of financial reserve or buffer, which can grow whilst you wait until you need it.
If you have chosen to defer the payouts, you can have your holiday allowance funds paid out at any time by requesting them via the self-service portal.
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