Skip to main content

ProfitShare explained

We want you to feel the benefit of being part of Royal London. That's why we'll aim to boost your retirement savings by giving you a share of our profits each year. A generous toast to your future. And we'll never ask for it back.

  • 1
    We'll review our financial strength and performance at the end of each year.
  • 2
    We'll work out if ProfitShare can be awarded.
  • 3
    We’ll add your award to a separate ProfitShare account within your plan.
  • 4
    You’ll see the value of your ProfitShare account in your yearly statement, by logging into online service or by downloading our mobile app.
  • 5
    You can take the value of your ProfitShare account with the rest of your retirement savings any time after age 55.


  • ProfitShare awards will be based on the value of the retirement savings you have invested with us on the date they’re awarded.
  • For the last five years, we've boosted the retirement savings of our unit-linked pension customers between 0.15% and 0.18%. You could get more or less than this and there's no guarantee that we'll be able to award ProfitShare every year.
  • If you invest in with profits, your ProfitShare will be calculated in a different way. You can find more detail in the Royal London With Profits Fund factsheet.
  • ProfitShare awards will be applied in April each year as long as your plan was in force on 31 December the previous year and on the date the award is given.
  • ProfitShare doesn't count as a contribution, so doesn't affect your annual allowance and the contributions you can make into your account each year. 
  • ProfitShare awards will be invested in the same investment choice as your other retirement savings.

How your plan qualifies

Your plan qualifies for ProfitShare if it began with us on or after 1 July 2001. If this applies to you, we'll automatically set up a ProfitShare account under your plan. You don't need to lift a finger.

How it works

To give you a better idea of the difference ProfitShare could make, let’s introduce you to Harry.

Find out more

Contact us

Email us

0370 850 1991