Smart Pension Smart Choice Wise Move

Transcription

1 Employer s Guide Smart Pension Smart Choice Wise Move WORKPLACE PENSIONS FAST SECURE FREE

2 Simply the best choice for UK employers The one stop solution for every employer The pensions landscape has changed dramatically and employers now have a legal duty to provide a workplace pension to their employees. So it makes sense to choose the smartest pension provider one that is quick and easy to use, that is absolutely free to employers and which is great value for employees. Meet Smart Pension. Free: No Charge To Employers. No set up fees for employers. No ongoing fees for employers. Smart Pension is a fantastic company which helps small businesses with their employee pensions. The Smart Pension team has done a brilliant job in building a successful platform which makes other businesses lives easier. Matthew Hancock Minister of State for Business, Energy and Enterprise, 2015 Fast: Set Up/Compliant In Minutes. Our platform is the quickest and most efficient in the UK market. Get compliant within minutes. Secure: 5 Star Rated, L&G Funds. Our workplace pension is secure and amongst the most highly rated in the UK market. Payroll: Multiple Payroll Options. We offer the most advanced set of payroll tools in the UK market. Tools & Support: Ready To Help. Advanced tools to help you and a highly experienced support team to assist you. Smart Pension was founded by experienced finance & technology professionals and has been designed specifically to support UK businesses faced with the challenges of auto enrolment. Our team spent over a year developing & testing the platform whilst also establishing the partnerships necessary to meet regulatory requirements and deliver a seamless end-to-end experience. With thousands of satisfied employers now using the platform and investments from Legal & General, we know we offer the best workplace pension solution available in the UK. Andrew Evans Chief Executive Will Wynne Managing Director Register now at: or call us now on:

3 100% Free For Employers No Set Up Fees We will not charge you a penny to set up your workplace pension using Smart Pension. Our fees are low because our costs are low. Our costs are low because we use advanced technology to run your workplace pension efficiently. We pass that saving on to you. No Ongoing Fees There are no ongoing charges for running your workplace pension with Smart Pension. We won t charge you a penny if you choose Smart Pension for your workplace pension. Great Value For Employees We charge employees a small 0.75% fee on their assets under management. No transaction fees or other hidden charges. Our charges are simple, fair and transparent. So good, Legal & General invested Mark Zinkula, CEO of LGIM, said: In a short space of time, Smart Pension has built a powerful digital platform which has made auto enrolment scalable and affordable for employers and their employees with minimum cost and disruption, thereby making saving for the future achievable for more UK workers.

4 Fast and Easy to Manage Our platform does the hard work, so you don t have to 3 STEPS TO SET UP Go to 1: Register your company (estimate: 2 mins) We undertook a comprehensive analysis of the workplace pensions landscape and conducted a detailed survey of SMEs which told us very clearly what was needed. It was evident that the ability to sign up fast, online, in one sitting, at zero upfront or ongoing cost and with minimal fuss, was the desired outcome for most employers. We delivered all of those requirements and more, designing and building the most advanced workplace pension platform in the UK. Now, employers can get set up and become compliant in just a few minutes. Job done. 2: Set up your pension (estimate: 5-30 mins) 3: Make your first payment (estimate: 1 min) Submit your declaration of compliance That s it. Congratulations! What Makes Smart Pension So Fast? E-signatures: no paper, no hassle Quick look up: we populate company details automatically Digital direct debit: secure, set up in seconds Bulk uploads: upload all your staff in one go Automation: we automate employee assessment, we generate all statutory communications Register now: or call now on:

5 Employee communications and assessment Every time you run payroll or have new joiners or leavers, you must assess your team and send them letters if appropriate. Our platform automates these regular tasks for you, saving you hours and giving you peace of mind. Payroll integration It s not just sign up that is easy. We ve also thought about your other business processes, in particular payroll. We have developed the most comprehensive set of payroll options in the market to allow your workplace pension to work seamlessly with your payroll. Adviser & agent platform We also offer our free Adviser Platform for your trusted advisers and payroll partners. Your advisers can, if you wish, manage your workplace pension for you, with no hassle and at no charge to you from us. Helpful tools Auto enrolment planner: Our free planner lets you plan and prepare for your workplace pension, and estimate costs to your business. Interactive penalty guide: Want to understand penalties in detail? Our comprehensive interactive tool tells you all you need to know. Employee educator video: You have a legal duty to educate your employees. Do so quickly and for free with our branded educator video generator. Scheme set up: You can manage all elements of your scheme (groups, contribution percentages, postponements) quickly and easily, from any device.

6 Safe and Secure Investing in your employees future, securely Smart Pension leverages the vast expertise of FCA regulated professionals who only invest pension funds in the largest of blue chip funds (such as Legal & General and HSBC (Sharia Fund)), providing protection and opportunities for good, steady growth. All investments are protected under the Financial Services Compensation Scheme (FSCS). But it doesn t end there. Experienced trustees (the majority of whom are independent) oversee the pension fund and are appointed to serve pension fund members and to protect their interests. The trustees ensure legislation is followed and value for money criteria are adhered to. They work for you - and your employees - to safeguard their future. Trustees Professional & Experienced - Protecting Your Employees Andy Cheseldine - Chair of the Board of Trustees Andy Cheseldine has joined Smart Pension taking over Claire Altman s former role as independent chair of trustees. Andy is renowned for his deep knowledge and wealth of expertise in the pensions industry and has accrued more than 35 years of experience in consulting on defined benefit and defined contribution arrangements. His inclusion in the Top 50 People in Pensions Awards in 2015 and the Top 25 most influential investment consultants in the last five years is a testament to his reputation. He is a pensions regulatory expert, a former adviser to employers & providers including NEST. He is also a professional trustee with Capital Cranfield. His appointment will help to steer Smart Pension into its next phase of expansion. Andy is an award-winning former partner at financial services firm Lane Clark & Peacock, a previous senior consultant at human resources firm Aon Hewitt and at Sedgewick Noble Lowndes, and has also served on the Pensions and Lifetime Savings Association Defined Contributions Council for more than 13 years. Paul Jebson Paul has been a Trustee of the Standard Chartered pension scheme since 2003, and presently chairs their Investment Committee. Paul was Managing Director, Global Head of Fund Management at Standard Chartered and is now also a Non-Executive Director of Sentosa Asian Credit Fund. Darren Agombar Darren has worked within the financial markets for over 25 years and has a wealth of experience in investing in a wide spectrum of asset classes. He has studied behavioural finance, and has gained a high level of expertise in the application of behavioural finance to investing and understanding investor behaviour. Darren is the Chief Investment Officer of a privately owned, independent investment management firm as well as the founder of Claradan, a company that provides behavioural analysis and strategies to businesses specialising in financial markets and services. Smart Pension is on The Pensions Regulator s list of recommended providers Smart Pension is MAF accredited, the gold standard for workplace pensions Pension funds are ring-fenced and protected FSCS protection applies to all Smart Pension funds Register now at: or call us now on:

7 Legal & General Smart Investment Management Why recommend Pension? invested in Smart Pension in July Mark Zinkula, CEO of LGIM, said: We are delighted to invest in Smart Pension, and to offer LGIM s savings solutions to the many new savers starting to provide for their own retirement. Smart is an excellent proposition for my clients, I have set up nearly 30 clients with them this year so far and every client is pleased with the system and all I get is positive feedback. As an adviser the support I get from the team is second to none, they are always friendly on the phone and happy to answer all my questions! I will continue to recommend Smart to my business clients and look forward to continuing to work with them. Rhian E I found Smart Pension on the Government Auto-Enrolment website as one of their suggested providers. Their website is easy to navigate, helps you along the way to complete tasks, and shows you what is left to do. It also shows all of the reference numbers for your business should you need them. The website also helps staff in their decision on whether to opt-in or opt-out, and the completion of their data. Finally, Customer Service have been excellent. Every question I have had, has been answered efficiently, advising me correctly and quickly to complete the process. The service has been excellent from start to finish. Mark M

8 Smart Pension FREE PENSION AUTO ENROLMENT FOR BUSINESS. FAST. SECURE. FREE! The UK s fastest one-stop solution. Free for employers. 100% secure. You could be compliant within minutes. Try it now. It s free! or call HOW TO SET UP YOUR WORKPLACE PENSION Go to: 1: Register your company (estimate: 2 mins) 2: Set up your pension (estimate: 5-30 mins) 3: Make your first payment (estimate: 1 min) 4: Submit your declaration of compliance. That s it. Congratulations! Register now at: OR CALL US NOW ON: Smart Pension Limited, 40 Eastbourne Terrace, London W2 6LG United Kingdom. Registered in England under number Smart Pension Limited does not provide investment, financial or any other type of professional advice, and none of the material or content of this brochure, our phone calls or other communications or our website should be taken as providing such advice. AutoEnrolment.co.uk Master Trust is regulated by The Pensions Regulator.