As your situation changes, you may decide to move or combine more than one pension scheme
You may have other pensions from previous employments. Some people like to keep those funds separate. Others want to combine them. It can make life easier to see how your pension savings are performing overall if they're all in one place. However, schemes do have different charges and fees, which is important to consider.
Everyone’s situation is unique. We recommend taking advice from a financial adviser before moving funds to or from your pension savings.
You may have other pensions from previous employments. Some people like to keep those funds separate. Others want to combine them. It can make life easier to see how your pension savings are performing overall if they're all in one place. However, schemes do have different charges and fees, which is important to consider.
Everyone’s situation is unique. We recommend taking advice from a financial adviser before moving funds to or from your pension savings.
You may decide to keep your savings separate, but you also have the option to combine them. Our help centre has more information that will guide you through the process of moving savings in or out of your Smart Pension account.
This might be useful if you've have started working for an employer that has opened a Smart Pension account for you.
This might be useful if you're leaving your current job to work for a different employer, and want to transfer or combine the savings that are in your Smart Pension account.
You may decide to keep your savings separate, but you also have the option to combine them. Our help centre has more information that will guide you through the process of moving savings in or out of your Smart Pension account.
This might be useful if you've have started working for an employer that has opened a Smart Pension account for you.
This might be useful if you're leaving your current job to work for a different employer, and want to transfer or combine the savings that are in your Smart Pension account.
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.
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.
You may have other pensions from previous employments. Some people like to keep those funds separate. Others want to combine them. It can make life easier to see how your pension savings are performing overall if they're all in one place. However, schemes do have different charges and fees, which is important to consider.
Everyone’s situation is unique. We recommend taking advice from a financial adviser before moving funds to or from your pension savings.
You may have other pensions from previous employments. Some people like to keep those funds separate. Others want to combine them. It can make life easier to see how your pension savings are performing overall if they're all in one place. However, schemes do have different charges and fees, which is important to consider.
Everyone’s situation is unique. We recommend taking advice from a financial adviser before moving funds to or from your pension savings.
You may decide to keep your savings separate, but you also have the option to combine them. Our help centre has more information that will guide you through the process of moving savings in or out of your Smart Pension account.
This might be useful if you've have started working for an employer that has opened a Smart Pension account for you.
This might be useful if you're leaving your current job to work for a different employer, and want to transfer or combine the savings that are in your Smart Pension account.
You may decide to keep your savings separate, but you also have the option to combine them. Our help centre has more information that will guide you through the process of moving savings in or out of your Smart Pension account.
This might be useful if you've have started working for an employer that has opened a Smart Pension account for you.
This might be useful if you're leaving your current job to work for a different employer, and want to transfer or combine the savings that are in your Smart Pension account.
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).
Aims to invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.
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.
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.
Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.
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.
This fund carries a higher risk of fluctuation to your savings but has the potential for high growth, though this is not guaranteed
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.
This fund has been created so that it will typically suit most our members, it has the medium level of risk of these funds.
Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.
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.
Aims to track the return of the FTSE World North America Index, which provides broad exposure to companies in the North American equity market.
Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.
Aims to create long term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.
Aims to track the return of the FTSE 100 Index, which contains the largest listed companies on the UK stock market.
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.
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.
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).
Aims to invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.
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.
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.
Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.
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.
This fund carries a higher risk of fluctuation to your savings but has the potential for high growth, though this is not guaranteed
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.
This fund has been created so that it will typically suit most our members, it has the medium level of risk of these funds.
Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.
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.
Aims to track the return of the FTSE World North America Index, which provides broad exposure to companies in the North American equity market.
Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.
Aims to create long term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.
Aims to track the return of the FTSE 100 Index, which contains the largest listed companies on the UK stock market.
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.
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.