Sign in for the first time
It only takes a couple of minutes to get up and running
Once you're signed in, you can manage your pension
Your employer will have created a Smart Pension account for you, and sent an email or letter asking you to sign in for the first time so that we can activate that account.
If you're having trouble signing in, it's worth checking your employer has used the right details. Mistakes do happen. If you spot a mistake, please check in with your HR or Payroll Department before contacting us.
Once you're signed in, you can manage your pension
Your employer will have created a Smart Pension account for you, and sent an email or letter asking you to sign in for the first time so that we can activate that account.
If you're having trouble signing in, it's worth checking your employer has used the right details. Mistakes do happen. If you spot a mistake, please check in with your HR or Payroll Department before contacting us.
Getting started with an activation email
If your employer gave us your email address, then we'll have sent you an email asking you to activate your account. When you click through from the email, you will be taken to a page where you can create a new password, and then see your Smart Pension account.
You can sign in at any time with your account name, email address and new password.
Getting started with an activation email
If your employer gave us your email address, then we'll have sent you an email asking you to activate your account. When you click through from the email, you will be taken to a page where you can create a new password, and then see your Smart Pension account.
You can sign in at any time with your account name, email address and new password.
Getting started with a letter from your employer
If your employer doesn’t give us your email address when they set up your account, then they should give you temporary account details in a letter. To sign in with those details:
- go to the sign inpage provided on the letter
- enter the credentials provided in the letter, including your temporary password
- click the Sign in button
Getting started with a letter from your employer
If your employer doesn’t give us your email address when they set up your account, then they should give you temporary account details in a letter. To sign in with those details:
- go to the sign inpage provided on the letter
- enter the credentials provided in the letter, including your temporary password
- click the Sign in button
What to do if you haven't received any sign in details
Contact your employer. Find out if you've been enrolled. If they have enrolled you with an email address, then you can contact us to find out your sign in details. If they didn't enrol you with an email address, then they'll need to resend a letter to you with those details.
What to do if you haven't received any sign in details
Contact your employer. Find out if you've been enrolled. If they have enrolled you with an email address, then you can contact us to find out your sign in details. If they didn't enrol you with an email address, then they'll need to resend a letter to you with those details.
Getting started without an email address
We do need an email address from you, so that you can use our online account. We will only use it to send you important details about your pension. If you don't have an email address, you can set one up using a free provider like Gmail or Outlook.
If you want to opt out of your workplace pension without activating an account, please contact our customer support team on 0333 666 2626.
Getting started without an email address
We do need an email address from you, so that you can use our online account. We will only use it to send you important details about your pension. If you don't have an email address, you can set one up using a free provider like Gmail or Outlook.
If you want to opt out of your workplace pension without activating an account, please contact our customer support team on 0333 666 2626.
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.
Smart Pension's fund choices
Smart Active Impact Bond Fund
Aims to invest in bonds which have an environmental impact and generate financial return above the global green bond market, taking into account Environmental, Social and Governance issues when selecting investments.
Smart Active Impact Equity Fund
The aim of this fund is to invest in equities which provide growth over the long term (being a period of five years or more) and invest in companies that contribute to the achievement of the United Nations’ Sustainable Development Goals.
Smart All Stocks Index – Linked Gilts Index Fund
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
Aims to improve potential outcomes for investors likely to purchase fixed annuities by providing a diversified exposure to assets that reflect the broad characteristics of investments underlying a typical traditional level annuity product, incorporating Environmental, Social and Governance (“ESG”) considerations as part of the investment strategy.
The fund cannot provide full protection against changes in annuity rates for individual members as these also depend upon a number of other factors (e.g. changes to mortality assumptions).
Smart Cash Fund
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 Ethical and Climate Fund
Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.
Smart Global Bond Index Fund
Aims to invest in different types of bonds in the UK and overseas, taking into account Environmental, Social and Governance factors.
Smart Growth Fund – Higher Risk
This fund carries a higher risk of fluctuation to your savings than other growth funds available but has the potential for high growth, though this is not guaranteed.
Smart Growth Fund – Lower Risk
This fund carries the lowest risk of fluctuation to your savings than other growth funds available but also reduced likelihood of a high return. It may be suitable if you are concerned about volatility.
Smart Income Fund
Aims to provide long-term investment growth up to retirement, and to support flexible income during retirement, taking into account Environmental, Social and Governance factors.
Smart North America Equity Index Fund
Aims to provide broad exposure to companies in the North American equity market, taking into account Environmental, Social and Governance factors.
Smart Sharia Fund
Aims to create long term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.
Smart Sustainable Growth Core
Aims to take advantage of Environmental, Social and Governance factors by investing more in companies which score well in these areas.
Smart Sustainable Growth Fund
Aims to take advantage of Environmental, Social and Governance factors by investing more in companies which score well in these areas to mitigate Environmental, Social and Governance risks and benefit people and the planet by having a moderate allocation to investments contributing to solutions for environmental and social issues.
Smart Sustainable Growth Plus
Aims to take advantage of Environmental, Social and Governance factors by investing more in companies which score well in these areas to mitigate Environmental, Social and Governance risks and benefit people and the planet by having a high allocation to investments contributing to solutions for environmental and social issues.
Smart UK Equity Index Fund
Aims to provide broad exposure to the UK stock market, taking into account Environmental, Social and Governance factors.
Smart World (ex UK) Developed Equity Index Fund
Aims to provide broad exposure to large and mid-cap companies in the developed world, excluding the UK, taking into account Environmental, Social and Governance factors.
Smart World Emerging Markets Equity Index Fund
Aims to provide access to key emerging economies taking into account Environmental, Social and Governance factors.
