Welcome to the Smart Pension Master Trust
Your Leonardo Pension Plan
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.
More than a pension
Financial wellbeing support – we know saving for retirement is a priority, but we also know people need to make the most of their money in the here and now. That’s why we offer all our members financial wellbeing support. Visit now.
Smart Rewards – as a Smart Pension member can enjoy a free benefit provided by Fizz Benefits Limited, offering discounts at your favourite online and high street retailers saving members up to £600 a year. Sign up today.
Smart Retire – a seamless transition from Smart Pension that helps you manage your money in retirement quickly and easily – no paperwork needed. Learn more.
Understanding your pension
It’s time to take action for your future, and it’s easier than you think. It’s never too soon, or too late, to start saving for your future.
Are your details up to date?
It only takes a moment to ensure your contact details with Smart Pension are up to date. Make sure we have your personal email on file so we can keep you connected with your hard-earned savings.
Why not sign in today to quickly check and update your personal details?
Why combine your pension savings?
One of the quickest and easiest ways to get on track with saving for retirement is to have all your pensions in one place. Why not combine today?
Retire your way with Smart Retire
Are you approaching 55 and planning how you’ll take your pension savings? As a Smart Pension member, you can seamlessly transition to our retirement product Smart Retire.
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. Learn more about the four pots.
Take control – have all your retirement savings in one place, helping you reach your retirement goals. Find out how you can retire your way.
Have flexibility – change how much you pay yourself each month, at no extra cost with our digital retirement solution. Read more about Smart Retire.
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.
Understanding pensions at retirement
Preparing for retirement is easier than you think. Whether you're approaching retirement or want to understand more about your future, it’s always the right time to start. Explore our short explainers to help you get retirement ready.
Why does your retirement age matter?
When you think about your retirement, the age at which you retire might not seem like the biggest decision. But, as it happens, choosing the right retirement age can have a big impact on how long your savings will last.
Watch this video to learn more about why you should set your age.
What is the State Pension?
The State Pension is a regular payment from the government once you reach the State Pension Age, currently set at 66. The amount you receive depends on your qualifying years – that is, how long you’ve worked and paid National Insurance.
Sign in today to see when you could retire and how much money you’re likely to have in retirement.
What is income drawdown?
Income drawdown means taking money from your pension savings as and when you need it. You can take out as much or as little as you want, as and when you need to, and the good thing is that doing so means the rest of your savings stay invested.
What is an annuity?
An annuity is a financial product, that converts some, or all, of your pension savings into a guaranteed, regular income for the rest of your life. Buying an annuity is a big decision. It’s important to think about whether it's right for you because once you buy one, it usually can't be changed.
Find out more about your options in our member help pages.
Can I take my pension as cash?
If you’re thinking about accessing your pension and wondering if you can take it as cash, you can, but with some conditions. Taking your pension as cash gives you flexibility, but it also comes with risks, so it’s not for everyone. Watch the video to learn more.
Manage your pension savings wherever you are
Our mobile app makes it easy for you to manage your pension savings wherever you are. You can change how your money is invested and keep your personal details up to date. If your phone supports it, you can use face ID or your fingerprint to sign in instantly.
Download the Smart Pension app now.
