Retirement Income
Goldbach's Guaranteed Lifetime Income gives UK retirees a secure, flexible income that cannot run out — with the freedom to pass on what remains to their families.
Learn how it worksGuaranteed for life
Your income continues no matter how long you live — even if your investment account reaches zero.
Flexible withdrawals
Need a lump sum? You can take an excess withdrawal at any time. Your future income adjusts proportionally.
Pass on your legacy
Any remaining balance goes to your children or beneficiaries as set out in your will.
Stay in your Master Trust
Your funds remain in the pension scheme you know. No need to move providers.
Our purpose
Today's retirees face a difficult choice: buy an expensive, inflexible life annuity, or navigate complex drawdown products with no certainty of how long their money will last.
Goldbach was founded by a team of actuaries and pension specialists who spent their careers watching this problem grow. We built the Guaranteed Lifetime Income to offer a genuine third way — the security of an annuity with the flexibility of drawdown.
Common questions
How is this different from a life annuity?
With a traditional annuity, your funds move to an insurance company and pay you a fixed monthly income until death — with nothing left for your family and no ability to take a lump sum. With Goldbach's GLI you get the same lifetime income guarantee, but your funds remain invested. If markets perform well, there will be a balance remaining for your beneficiaries. And you can always take a lump sum withdrawal if you need to — your future income simply adjusts in proportion.
What happens if my investments perform badly?
Even if your GLI account falls to zero, your income does not stop. It continues at the same contracted level until your death. That is the guarantee at the heart of our product.
What if I need extra money unexpectedly?
You can take an Excess Withdrawal of any amount, up to your entire balance. The withdrawal reduces your future contracted income proportionally — so a 10% withdrawal reduces future income by 10%. The flexibility is always there when you need it.
We'd be happy to answer any questions about the GLI product or our plans.
info@goldbachins.com