Check in on your savings

It's good to keep any eye on your savings, and make sure your retirement details are always up to date

Staying up to date with your pension is important

It’s important to review your pension regularly. This lets you understand more about the income you may receive in retirement. When you've signed in to your Smart Pension account, you'll also see how much money you've saved to date, how your savings are doing and what you’ve chosen as your planned retirement age.

Sign in now.

Staying up to date with your pension is important

It’s important to review your pension regularly. This lets you understand more about the income you may receive in retirement. When you've signed in to your Smart Pension account, you'll also see how much money you've saved to date, how your savings are doing and what you’ve chosen as your planned retirement age.

Sign in now.

Review your retirement goals regularly

With one or two exceptions (your company may have chosen an alternative investment strategy for you), we'll start by investing your money in the Smart Growth Medium Risk option. It's an option that suits many members' retirement goals.

However, if you want to, you can choose a different fund at any time. The fact sheets and details about our charges are all stored in your Smart Pension account.

Smart Pension lets you check back regularly, you don't have to wait for an annual pension statement to see how your savings are doing. It's important to do this from time to time, to make adjustments that help you stay on track for your planned retirement.

Review your retirement goals regularly

With one or two exceptions (your company may have chosen an alternative investment strategy for you), we'll start by investing your money in the Smart Growth Medium Risk option. It's an option that suits many members' retirement goals.

However, if you want to, you can choose a different fund at any time. The fact sheets and details about our charges are all stored in your Smart Pension account.

Smart Pension lets you check back regularly, you don't have to wait for an annual pension statement to see how your savings are doing. It's important to do this from time to time, to make adjustments that help you stay on track for your planned retirement.

Check your personal details

Pensions are a long-term financial product, so it's easy to let details slip, but it’s important to check that your contact details are accurate and your expression of wish and retirement age are up to date.

Check your personal details

Pensions are a long-term financial product, so it's easy to let details slip, but it’s important to check that your contact details are accurate and your expression of wish and retirement age are up to date.

Keep us up to date with your retirement plans

It's important to let us know if you'd like to change your retirement age. If you do change it, and you're using one of our standard investment strategies, then we'll make a note to move your assets at the right time. We’ll reduce their exposure to risk as you get closer to that new retirement date.

If you want to, you can also be more involved in deciding which funds we should invest for you, and when those funds should move. All of the fund fact sheets are stored in your account as PDFs.

Keep us up to date with your retirement plans

It's important to let us know if you'd like to change your retirement age. If you do change it, and you're using one of our standard investment strategies, then we'll make a note to move your assets at the right time. We’ll reduce their exposure to risk as you get closer to that new retirement date.

If you want to, you can also be more involved in deciding which funds we should invest for you, and when those funds should move. All of the fund fact sheets are stored in your account as PDFs.

Five steps to help you stay on track

Lots of things may affect your retirement income. How much money you put into a pension is one of them. We make it easy to check how your pension is performing  via our mobile app, and by sending you an annual pension statement. This shows how much income your pension savings could deliver in ‘today’s money’, before tax. You can also review your pension savings more often by signing in to your account. Here are five steps to help you to stay on track:

1. Check your balance. Sign in to your account. You’ll see how your pension savings are performing.

2. Review your contributions. Make a note of how much you’re paying in. You can also see how much your employer is contributing to your pension every month. Could you put more in?

3. Think about all of your savings. You could check your Smart Pension account on its own, but it’s a good idea to review all of your pensions at the same time. If you’re not sure where to find old pensions, the government’s Pension Tracing Service can help you to track them down.

4. Review your retirement goals. Your account will show your expected retirement age. Knowing how much money you’re putting in and when you want to retire, you can get an idea of any shortfall for that timeframe. You might want to boost your savings – either with higher monthly contributions or with one-off payments.

5. Make a date for your next review. Pop a regular review into your diary or your phone.

Your Smart Pension account shows you a real-time valuation. You may find The Money Advice Service’s pension calculator useful. It makes general assumptions about inflation, fund growth, and how much you’ll be putting into your pension between now and when you retire. Everything’s explained at the end of the calculations.

Five steps to help you stay on track

Lots of things may affect your retirement income. How much money you put into a pension is one of them. We make it easy to check how your pension is performing  via our mobile app, and by sending you an annual pension statement. This shows how much income your pension savings could deliver in ‘today’s money’, before tax. You can also review your pension savings more often by signing in to your account. Here are five steps to help you to stay on track:

1. Check your balance. Sign in to your account. You’ll see how your pension savings are performing.

2. Review your contributions. Make a note of how much you’re paying in. You can also see how much your employer is contributing to your pension every month. Could you put more in?

3. Think about all of your savings. You could check your Smart Pension account on its own, but it’s a good idea to review all of your pensions at the same time. If you’re not sure where to find old pensions, the government’s Pension Tracing Service can help you to track them down.

4. Review your retirement goals. Your account will show your expected retirement age. Knowing how much money you’re putting in and when you want to retire, you can get an idea of any shortfall for that timeframe. You might want to boost your savings – either with higher monthly contributions or with one-off payments.

5. Make a date for your next review. Pop a regular review into your diary or your phone.

Your Smart Pension account shows you a real-time valuation. You may find The Money Advice Service’s pension calculator useful. It makes general assumptions about inflation, fund growth, and how much you’ll be putting into your pension between now and when you retire. Everything’s explained at the end of the calculations.

Instant changes to your
pension savings

You won’t need to check in on your pension savings every day. They're designed to be a long-term investment. But if you do need or want to get an update, then the secure Smart Pension makes it easy to get that information straight away. There’s no need to make a phone call or to wait for a letter.
Our app will give you real time information about your pension savings. It puts your future into the palm of your hand.

Instant changes to your
pension savings

You won’t need to check in on your pension savings every day. They're designed to be a long-term investment. But if you do need or want to get an update, then the secure Smart Pension makes it easy to get that information straight away. There’s no need to make a phone call or to wait for a letter.
Our app will give you real time information about your pension savings. It puts your future into the palm of your hand.

Instant changes to your
pension savings

You won’t need to check in on your pension savings every day. They're designed to be a long-term investment. But if you do need or want to get an update, then the secure Smart Pension makes it easy to get that information straight away. There’s no need to make a phone call or to wait for a letter.
Our app will give you real time information about your pension savings. It puts your future into the palm of your hand.

Instant changes to your
pension savings

You won’t need to check in on your pension savings every day. They're designed to be a long-term investment. But if you do need or want to get an update, then the secure Smart Pension makes it easy to get that information straight away. There’s no need to make a phone call or to wait for a letter.
Our app will give you real time information about your pension savings. It puts your future into the palm of your hand.

Instant changes to your
pension savings

You won’t need to check in on your pension savings every day. They're designed to be a long-term investment. But if you do need or want to get an update, then the secure Smart Pension makes it easy to get that information straight away. There’s no need to make a phone call or to wait for a letter.
Our app will give you real time information about your pension savings. It puts your future into the palm of your hand.

Staying up to date with your pension is important

It’s important to review your pension regularly. This lets you understand more about the income you may receive in retirement. When you've signed in to your Smart Pension account, you'll also see how much money you've saved to date, how your savings are doing and what you’ve chosen as your planned retirement age.

Sign in now.

Staying up to date with your pension is important

It’s important to review your pension regularly. This lets you understand more about the income you may receive in retirement. When you've signed in to your Smart Pension account, you'll also see how much money you've saved to date, how your savings are doing and what you’ve chosen as your planned retirement age.

Sign in now.

Staying up to date with your pension is important

Review your retirement goals regularly

With one or two exceptions (your company may have chosen an alternative investment strategy for you), we'll start by investing your money in the Smart Growth Medium Risk option. It's an option that suits many members' retirement goals.

However, if you want to, you can choose a different fund at any time. The fact sheets and details about our charges are all stored in your Smart Pension account.

Smart Pension lets you check back regularly, you don't have to wait for an annual pension statement to see how your savings are doing. It's important to do this from time to time, to make adjustments that help you stay on track for your planned retirement.

Review your retirement goals regularly

With one or two exceptions (your company may have chosen an alternative investment strategy for you), we'll start by investing your money in the Smart Growth Medium Risk option. It's an option that suits many members' retirement goals.

However, if you want to, you can choose a different fund at any time. The fact sheets and details about our charges are all stored in your Smart Pension account.

Smart Pension lets you check back regularly, you don't have to wait for an annual pension statement to see how your savings are doing. It's important to do this from time to time, to make adjustments that help you stay on track for your planned retirement.

Review your retirement goals regularly

Check your personal details

Pensions are a long-term financial product, so it's easy to let details slip, but it’s important to check that your contact details are accurate and your expression of wish and retirement age are up to date.

Check your personal details

Pensions are a long-term financial product, so it's easy to let details slip, but it’s important to check that your contact details are accurate and your expression of wish and retirement age are up to date.

Check your personal details

Keep us up to date with your retirement plans

It's important to let us know if you'd like to change your retirement age. If you do change it, and you're using one of our standard investment strategies, then we'll make a note to move your assets at the right time. We’ll reduce their exposure to risk as you get closer to that new retirement date.

If you want to, you can also be more involved in deciding which funds we should invest for you, and when those funds should move. All of the fund fact sheets are stored in your account as PDFs.

Keep us up to date with your retirement plans

It's important to let us know if you'd like to change your retirement age. If you do change it, and you're using one of our standard investment strategies, then we'll make a note to move your assets at the right time. We’ll reduce their exposure to risk as you get closer to that new retirement date.

If you want to, you can also be more involved in deciding which funds we should invest for you, and when those funds should move. All of the fund fact sheets are stored in your account as PDFs.

Keep us up to date with your retirement plans

Five steps to help you stay on track

Lots of things may affect your retirement income. How much money you put into a pension is one of them. We make it easy to check how your pension is performing  via our mobile app, and by sending you an annual pension statement. This shows how much income your pension savings could deliver in ‘today’s money’, before tax. You can also review your pension savings more often by signing in to your account. Here are five steps to help you to stay on track:

1. Check your balance. Sign in to your account. You’ll see how your pension savings are performing.

2. Review your contributions. Make a note of how much you’re paying in. You can also see how much your employer is contributing to your pension every month. Could you put more in?

3. Think about all of your savings. You could check your Smart Pension account on its own, but it’s a good idea to review all of your pensions at the same time. If you’re not sure where to find old pensions, the government’s Pension Tracing Service can help you to track them down.

4. Review your retirement goals. Your account will show your expected retirement age. Knowing how much money you’re putting in and when you want to retire, you can get an idea of any shortfall for that timeframe. You might want to boost your savings – either with higher monthly contributions or with one-off payments.

5. Make a date for your next review. Pop a regular review into your diary or your phone.

Your Smart Pension account shows you a real-time valuation. You may find The Money Advice Service’s pension calculator useful. It makes general assumptions about inflation, fund growth, and how much you’ll be putting into your pension between now and when you retire. Everything’s explained at the end of the calculations.

Five steps to help you stay on track

Lots of things may affect your retirement income. How much money you put into a pension is one of them. We make it easy to check how your pension is performing  via our mobile app, and by sending you an annual pension statement. This shows how much income your pension savings could deliver in ‘today’s money’, before tax. You can also review your pension savings more often by signing in to your account. Here are five steps to help you to stay on track:

1. Check your balance. Sign in to your account. You’ll see how your pension savings are performing.

2. Review your contributions. Make a note of how much you’re paying in. You can also see how much your employer is contributing to your pension every month. Could you put more in?

3. Think about all of your savings. You could check your Smart Pension account on its own, but it’s a good idea to review all of your pensions at the same time. If you’re not sure where to find old pensions, the government’s Pension Tracing Service can help you to track them down.

4. Review your retirement goals. Your account will show your expected retirement age. Knowing how much money you’re putting in and when you want to retire, you can get an idea of any shortfall for that timeframe. You might want to boost your savings – either with higher monthly contributions or with one-off payments.

5. Make a date for your next review. Pop a regular review into your diary or your phone.

Your Smart Pension account shows you a real-time valuation. You may find The Money Advice Service’s pension calculator useful. It makes general assumptions about inflation, fund growth, and how much you’ll be putting into your pension between now and when you retire. Everything’s explained at the end of the calculations.

Five steps to help you stay on track

Smart Pension's fund choices

No items found.

Smart All Stocks Index - Linked Gilts Index Fund

0.75%
AMC

Aims to track the return of the FTSE Actuaries British Government Index Linked All Stocks Index, which features UK government bonds with returns linked to the Retail Price Index (RPI).

Smart Annuity Fund

0.75%
AMC

Aims to invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.

Smart Cash Fund

0.75%
AMC

Aims to maintain capital and provide a return in-line with money market rates by investing in a range of money market securities denominated in sterling.

Smart De-risking Fund

0.75%
AMC

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like a lower level of volatility than the smart growth funds.

Smart Ethical Global Equity Index Fund

0.87%
AMC

Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.

Smart Future Fund

0.75%
AMC

This fund aims to replicate the asset allocation, performance and risk profile of our Smart Growth Moderate fund, whilst incorporating additionalscreening criteria that revalues the weighting of each investment depending on their Environmental, Social, and Governance (ESG) score. It aims to limit the additional risks associated with ESG factors.

Smart Growth Fund - Higher Risk

0.75%
AMC

This fund carries a higher risk of fluctuation to your savings but has the potential for high growth, though this is not guaranteed

Smart Growth Fund - Lower Risk

0.75%
AMC

This fund carries the lowest risk of loss but also reduced likelihood of a high return, but it may be suitable if you are concerned about volatility.

Smart Growth Fund - Moderate Risk

0.75%
AMC

This fund has been created so that it will typically suit most our members, it has the medium level of risk of these funds.

Smart Income Fund

0.75%
AMC

Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.

Smart Lower Risk Fund

0.75%
AMC

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like an even lower level of volatility than the smart growth funds and the de-risking fund.

Smart North America Equity Index Fund

0.75%
AMC

Aims to track the return of the FTSE World North America Index, which provides broad exposure to companies in the North American equity market.

Smart Overseas Bond Index Fund - GBP Hedged

0.85%
AMC

Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.

Smart Sharia Fund

1.01%
AMC

Aims to create long term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.

Smart UK FTSE 100 Equity Index Fund

0.75%
AMC

Aims to track the return of the FTSE 100 Index, which contains the largest listed companies on the UK stock market.

Smart World (ex UK) Developed Equity Index Fund

0.75%
AMC

Aims to track the performance of the FTSE Developed (ex UK) Index, which provides broad exposure to large and mid-cap companies in the developed world, excluding the UK.

Smart World Emerging Markets Equity Index Fund

1.12%
AMC

Aims to track the return of the FTSE All-World Emerging Index, which provides access to key emerging economies including Brazil, Russia, India and China.

Smart Pension's fund choices

Smart All Stocks Index - Linked Gilts Index Fund

0.75%
AMC

Aims to track the return of the FTSE Actuaries British Government Index Linked All Stocks Index, which features UK government bonds with returns linked to the Retail Price Index (RPI).

Smart Annuity Fund

0.75%
AMC

Aims to invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.

Smart Cash Fund

0.75%
AMC

Aims to maintain capital and provide a return in-line with money market rates by investing in a range of money market securities denominated in sterling.

Smart De-risking Fund

0.75%
AMC

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like a lower level of volatility than the smart growth funds.

Smart Ethical Global Equity Index Fund

0.87%
AMC

Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.

Smart Future Fund

0.75%
AMC

This fund aims to replicate the asset allocation, performance and risk profile of our Smart Growth Moderate fund, whilst incorporating additionalscreening criteria that revalues the weighting of each investment depending on their Environmental, Social, and Governance (ESG) score. It aims to limit the additional risks associated with ESG factors.

Smart Growth Fund - Higher Risk

0.75%
AMC

This fund carries a higher risk of fluctuation to your savings but has the potential for high growth, though this is not guaranteed

Smart Growth Fund - Lower Risk

0.75%
AMC

This fund carries the lowest risk of loss but also reduced likelihood of a high return, but it may be suitable if you are concerned about volatility.

Smart Growth Fund - Moderate Risk

0.75%
AMC

This fund has been created so that it will typically suit most our members, it has the medium level of risk of these funds.

Smart Income Fund

0.75%
AMC

Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.

Smart Lower Risk Fund

0.75%
AMC

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like an even lower level of volatility than the smart growth funds and the de-risking fund.

Smart North America Equity Index Fund

0.75%
AMC

Aims to track the return of the FTSE World North America Index, which provides broad exposure to companies in the North American equity market.

Smart Overseas Bond Index Fund - GBP Hedged

0.85%
AMC

Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.

Smart Sharia Fund

1.01%
AMC

Aims to create long term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.

Smart UK FTSE 100 Equity Index Fund

0.75%
AMC

Aims to track the return of the FTSE 100 Index, which contains the largest listed companies on the UK stock market.

Smart World (ex UK) Developed Equity Index Fund

0.75%
AMC

Aims to track the performance of the FTSE Developed (ex UK) Index, which provides broad exposure to large and mid-cap companies in the developed world, excluding the UK.

Smart World Emerging Markets Equity Index Fund

1.12%
AMC

Aims to track the return of the FTSE All-World Emerging Index, which provides access to key emerging economies including Brazil, Russia, India and China.