Welcome to your
ISS UK Pension Plan
Welcome to your new ISS UK Pension Plan
Your pension is provided by Smart Pension. Here’s everything you need to know.
Welcome to Smart Pension
Watch this short welcome video to find out more about Smart Pension and how it can help you.
Your pensions checklist
To get the most from your Smart Pension account, make sure you complete these tasks:
Sign in to your Smart Pension account to make the most of what we offer:
ISS have your email address – you'll receive an activation email to set up your Smart Pension account.
ISS don't have your email address – you'll receive temporary sign in details to set up your Smart Pension account, either from Smart Pension or ISS.
If you can’t find your sign in details, please contact us.
Look after your loved ones
Sign into your Smart Pension account and click on the Beneficiaries tile. You can then choose who you’d like your pension savings to go to if you die before taking them, and in which proportions.
Review where your money is invested
Sign into your Smart Pension account and click on the Investments tile to see and change your investments. If you don’t choose then don’t worry – we’ll manage your investments for you.
Sign up to Smart Rewards
Sign in to your account, click Menu on the top right, select Extra services and choose Smart Rewards. You’ll get free access to over 1,400 discounts at major retailers, including Amazon and Tesco.
Learn all about your pension
Tune into our tutorial and hear everything you need to know.
About Smart Pension
We’re one of the UK’s largest workplace pension providers.
Find out more about us
We help 1 million+ people save for their future
We support 70,000+ employers
We look after £4 billion+ of our members' savings
Key features of Smart Pension
When you sign in to your Smart Pension account online, you'll be able to access:
Smart Pension app
Keep track of your pension savings wherever you go and whenever you like. You’ll be able to change your investments and check your beneficiaries.
Smart Rewards
A free benefit with over 1,400 rewards, helping you to save up to £600* a year in discounts at major retailers across the UK.
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Financial wellbeing hub
Meaningful financial support about all your finances, not just your pension. Our hub is full of money saving tips, tools and techniques.
Watch our member webinar
The more you know about pensions, the more you can take control and help your money grow. Hear from our industry experts on why pensions are important and how to get the most out of yours.
Explore your investment options
We have a wide range of investment options for you to choose from, including managed investment strategies and self-select options. We’re also proud to offer a Shariah fund and a Fossil Fuel Free fund. Take a look at our investment guide, which explains all the options.
Tackling climate change is very important to us. That’s why we’ve set a target for the fund most of our members are invested in to be net zero by 2040, and since 2019 we’ve already halved the fund’s emissions.
Explore your retirement options
If you’re close to retirement age, you may want to start thinking about how you’ll take your money. We have a wide range of options to suit everyone. Read our retirement guide.
We offer Smart Retire, an online retirement account that can be used to flexibly manage your retirement income.
Boost your pension savings
When you sign in to your Smart Pension account online, you'll be able to find any pension savings you've lost or forgotten about. You could then also boost your pension savings by combining all your old pensions into one, or making a single contribution whenever it suits you.
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Think about who to leave your pension savings to
When you sign in to your Smart Pension account online, you’ll be able to choose who you’d like your pension savings to go to if you die before taking them, and in which proportions. It’s important to add your beneficiaries to your Smart Pension account, as otherwise the trustees of Smart Pension will make this decision.
Your Smart Pension fees and charges
We charge an annual management charge (AMC) for managing and investing your pension. The AMC is a small percentage of the total amount you save into your pension pot over the whole year – we break it down so that you pay it monthly. The AMC you pay depends on which investment option or fund you choose. For example, if your fund has a 0.35% AMC and your pension pot is worth £20,000, you'd pay £70 each year. To view and choose your investment options, sign in to your Smart Pension account and click on the Investments tile.
Here is a list of the funds and their AMCs:
- Smart Sustainable Growth Core – 0.30%
- Smart Sustainable Growth Fund – 0.35%
- Smart Sustainable Growth Plus – 0.55%
- Smart Growth Fund – Higher risk – 0.35%
- Smart Growth Fund – Lower risk – 0.35%
- Smart UK Equity Index Fund – 0.30%
- Smart World (ex UK) Developed Equity Index Fund – 0.30%
- Smart North America Equity Index Fund – 0.30%
- Smart All Stocks Index-Linked Gilts Index Fund – 0.30%
- Smart Cash Fund – 0.30%
- Smart Annuity Fund – 0.30%
- Smart Ethical and Climate Fund – 0.35%
- Smart World Emerging Markets Equity Index Fund – 0.45%
- Smart Global Bond Index Fund – 0.30%
- Smart Income Fund – 0.35%
- Smart Sharia Fund – 0.48%
