Responsible Investing

Helping you to save for your retirement

We use an integrated investment approach

It's all about helping members to save for the future. Unless members want to be more hands on with their pension savings, we open each Smart Pension account with a straightforward investment strategy - investing the contributions in a mix of funds that take appropriate levels of risk, depending on when you're due to retire.

This investment strategy suits most members for the long term. It lets us manage their savings, moving the money into lower risk funds as retirement nears. Members may also choose a mix of investments from any of our 17 funds, at any time. Updates on performance are available, 24 hours a day.

The funds we use are managed by fund managers from Legal & General Investment Management, J P Morgan and HSBC. The trustees keep a close eye on all of our fund managers to make sure members' savings are invested responsibly and kept secure.

Statement of Investment Principles

A sustainable, responsible approach to investing

Our Statement of Investment Principles is prepared by the Trustees of the Smart Pension Master Trust, and sets down the principles that govern decisions about investments.

Principles of Responsible Investment

Diligent. Independent. Conscientious.

Smart Pension Limited is a signatory to the UN Principles of Responsible Investment (PRI). The PRI encourages the investment industry to be responsible for its actions. It also encourages signatories to share and build on best practice. We try to follow six principles of responsible investing, which you can explore on the UN PRI website.

UK Stewardship Code

Stewardship is taken seriously

Smart Pension Limited is committed to the UK Stewardship Code.

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