I'm still working

There's a lot you can do to help look after your retirement savings and make sure you're on track for a better future.

The IWDC Section is a ‘defined contribution’ (DC) arrangement within the Railways Pension Scheme.

As an IWDC member, the contributions that you and your employer pay in go into your pension pot (also known as your Personal Retirement Account or PRA).

Your pot is invested into funds that aim to help it to grow over time. When you’re ready to take it, there are a number of different ways you can use your pot to provide you with an income when you retire.

You can  register online today to see the current value of your pot and manage your investments to keep your retirement savings on track.

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In this section...

Joining and auto-enrolment

Find out who can join the Scheme and what it means if you've been auto-enrolled.

I'm new to the Scheme

If you've recently joined the IWDC Section, you can find out how to get the most out of your membership.

How the IWDC Section works

Find out what happens with your IWDC pension - who pays in, and how your savings build up.

Benefits of my membership
Your RPS membership offers great benefits for you and your family so make sure you understand them.
My payments

Understand how contributions work and what to do if you want to pay more.

Saving more

Find out how to boost your pension savings by making Additional Voluntary Contributions (AVCs). 

My circumstances have changed

Discover how changes to your circumstances could affect your pension.

Severance and redundancy

How severance and redundancy can affect your pension.

Leaving the Scheme and opting out

What happens to your pension pot if you decide to leave the Scheme or stop working for your current employer.