Clarins
Create a beautiful retirement
Welcome to Smart Pension
Here’s everything you need to know about your pension with Clarins. We're one of the UK's largest workplace pensions providers. We help over 2 million people save for their future and look after more than £10 billion of our UK members' savings.
Sign in to your Smart Pension account
We’ll send you an activation email to set up your account for the first time, so keep an eye out for it. Our top tip is to sign up using your personal email address so that if you change jobs in the future, you can still keep track of this pension.
Once you’ve activated your account, you can sign in and check your pension balance, review your retirement age, combine your old pensions, change how your money is invested and much more.
Why not download our app? Take your phone out, and either on the App Store or Google Play, type in ‘Smart Pension’. You can do anything on the app that you can do on a desktop.
Think about who to leave your pension savings to
Did you know that your pension doesn’t form part of your estate? To protect your loved ones if you die before retiring, you’ll need to tell us who you’d like to leave your pension savings to. It’s a good idea to start thinking about this now.
Explore your investment options
Your pension savings will be automatically invested in our default investment strategy. This means we manage your money for you, for a total annual charge of 0.24%.
Tackling climate change is very important to us and our default fund is invested in a sustainable way.
You can also choose to manage your money yourself, but the charges will vary. Take a look at our investment guide which explains all the options, including a Shariah fund.
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Easily combine your current Clarins pension
All pension providers charge a fee to look after your money, but how much you pay in charges really matters – the lower the charge, the more you can save for retirement.
You’ll pay a 0.24% total annual charge for pension savings in our default fund. You should check the charges in your current Clarins pension scheme, because a member with charges of 0.35% would save 11p per £100 invested in Smart Pension.
Keeping all of your pension savings in one place makes it easier to keep track of your retirement goals and saves you time with less pension admin to do. As well as charges, investment performance varies between pension providers and they provide different benefits and support. Please check and compare these before making any decision to combine your pension savings. Take a look at our transfer guide.
If you’d like to bring your current Clarins pension savings into your Smart Pension account, you'll just need to sign an online form to start the process, and we’ll take care of the rest. We’ll be in touch about this in November and you’ll have until mid-December to complete the form.
Combine your other pensions too
Alongside your current Clarins pension, do you have other pension savings out there?
Our unique online tool enables you to find any pension savings you’ve lost or forgotten about. You can then combine them into your Smart Pension account too. Find out more about combining your old pensions. You won’t need to complete this process for your current Clarins pension savings – we’ll contact you in November about this.
Explore your retirement options
Your pension savings will be automatically invested in our default investment strategy. This means we manage your money for you, for a total annual charge of 0.24%.
Tackling climate change is very important to us and our default fund is invested in a sustainable way.
You can also choose to manage your money yourself, but the charges will vary. Take a look at our investment guide which explains all the options, including a Shariah fund.
Useful contact information
If you have questions about the move to Smart Pension, please contact Clarins’ pension advisers at [email protected].
If you do not meet the criteria to be automatically re-enrolled into the Smart Pension scheme, you can request to join the Smart Pension scheme by contacting [email protected].