Welcome to your Laing O’Rourke workplace pension
Join over 250,000 savers already using the Smart Pension app. You can make instant changes to your account, from checking your pension balance, making a plan with the pension calculator, to changing the way we’re investing your savings
About Smart Pension
- Real-time pension access – stay on top of your retirement plans, and admin through the app or website. Sign-in today.
- Easy to use app – check and update your account at a time and place that works for you. Download now.
- Understanding your Smart Pension – get to know how your account works and make retirement decisions with confidence. Read more.
When you join
There are some things to look out for and get up to speed with when you join Smart Pension.
- Check your email – you’ll receive an activation email to set up your new account, as well as a welcome letter in your account.
- Update your details – make sure we can contact you with the latest updates and information by checking and adding your personal details.
- Add your beneficiaries – it only takes a minute or two to ensure that your hard earned pension savings are going to the people who matter most to you.
What you get with Smart Pension
Check your pension balance
Find and combine pensions
Compare investment funds
Financial wellbeing guidance
Update your personal details
Add money
Change investments
Savings nudges
Set your retirement age
Make a regular payment
Use our pension calculator
Take your pension
Understand pensions
Understanding your pension is easier than you think, and the more you know as you save, the more choices you’ll have later. Wherever you are on your journey, watch these short videos to explain how your pension works.
Build your future with Smart Pension
Add money anytime
Life doesn’t always follow a set path or plan. With a one-off or regular top up, you can add extra money to your pension whenever it works for you, giving you more choices in the future.
- Safe and secure – online verification, all from your phone.
- Flexible – add what you want, when you can so you can reach your retirement goals.
- No fuss – top up easily through the Smart Pension app, or online.
How your money is invested
Your pension is invested for long-term growth, working as hard as you do. You can choose your own investments, or let our pension experts do it for you. All of our investments balance risk and reward at different stages of life.
Check out our investment guide for more information.
.avif)
Retire your way
Here at Smart Pension, we make it easy to move from saving into retirement. Manage your hard-earned money in a way that suits you.
- One account – everything in one place – no switching, no extra logins, all in the app or online.
- Secure online ID checks – we verify your identity quickly and easily, just like your bank.
- Fully paperless – no forms, printing, or posting letters - everything is done online.
- Free withdrawals – access your money whenever you need it, and make a withdrawal at any time, at no extra cost.
Why retire with Smart Pension
Are you approaching 55 and planning how you’ll take your pension savings? With Smart Pension, you have the flexibility to retire in a way that suits you.
- Plan ahead – we'll work out how much you can pay yourself each month and have money for the later stages, so you don't have to with our multipot drawdown option – Smart Retire. Learn more.
- Take control - have all your retirement savings in one place, helping you reach your retirement plan, your way.
- Have flexibility – keep working, take a regular income, withdraw a lump sum, or stay invested for later.
- Help when you need it – our friendly UK-based Customer Service Team is on hand to guide you through the whole process. Get in touch.
Help when you need it
You can rely on us for pension support
Our friendly UK-based Customer Service Team is here when you need us, so you can rely on us for help with your pension. We are digital first but not digital only, because we know that sometimes it’s easier to talk to someone. You can speak with one of our team you need us.
Download our member guide for more information.
Contact us in a way that works for you. You can get in touch with our help centre or call us on: 0330 174 0643
Grow your financial knowledge
