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.
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.
Once you're signed in, you can manage your pension
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 an activation email
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
Getting started with a letter from your employer
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.
What to do if you haven't received any sign in 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.
Getting started without an email address
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 invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.
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 De-risking Fund
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
Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.
Smart Future Fund
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
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
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
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
Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.
Smart Lower Risk Fund
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
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
Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.
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 UK FTSE 100 Equity Index Fund
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
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
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
We have changed the way we charge members of the Smart Pension Master Trust. Our new charging structure for employers who have signed up with us directly is an annual management charge of 0.30% and a monthly fee of £1.25. Find out more.
Our factsheets are updated on a quarterly basis, therefore, the current factsheets do not currently reflect the revised annual management charges. We expect our new factsheets to be available in February 2021. Current standard charges are shown here:
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 invest in a way which matches the broad characteristics of investments underlying the pricing of a typical non-inflation linked annuity.
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 De-risking Fund
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
Aims to track a filtered index, which excludes companies that operate in industries that breach certain ethical criteria.
Smart Future Fund
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
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
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
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
Aims to provide long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.
Smart Lower Risk Fund
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
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
Aims to invest in different types of bonds, including corporate and government bonds both in the UK and overseas.
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 UK FTSE 100 Equity Index Fund
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
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
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.