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You can view your Smart Pension annual statement at any time by signing in to your account and heading to the ‘Inbox’ section.
Watch our video for more detail.
Your statement covers the 12-month period ending 30 June, the pension scheme's year-end. It includes contributions invested from 1 July of the previous year to 30 June of the current year.
By law, we're required to send annual pension statements to our members within 12 months after our scheme year-end, which is 30 June. Annual pension statements are sent in batches, so you and your colleagues may not all receive your statements at the same time.
If you pay by salary sacrifice, your employer pays your contribution on your behalf. This means the amount you've saved will show as £0.
We are required to send you an annual statement if you held a pension value between 1 July of the previous year to 30 June of the current year. If you have since transferred or left the pension scheme, there is no action for you to take.
You will receive an annual pension statement for each account you have with Smart Pension. You could have more than one account if you left employment and then returned to work for the same employer. You could also have been employed by multiple employers who use Smart Pension as their pension provider.
Yes, you can. Your statement will show you what charges have been deducted from your account in pounds and pence.
These charges are for managing and investing your pension savings. You can find and learn more about the charges you pay by watching our short video.
The best way to find out about the charges you pay is to sign in to your Smart Pension account. Once signed in, go to ‘Investments’, then scroll to the bottom of the page and select Charges for investments.
Any additional charges that have been applied to your account will appear in the ‘Contributions’ section of your Smart Pension account.
If you have any questions about your charges, you can contact us using our online form.
If you haven't selected a retirement age, we will use the default scheme retirement age of 65 to calculate how much you could have at retirement. You can change your retirement age at any time. Just sign in to your account and click Retirement age, edit to your chosen age, then select Update retirement age.
The government plans to increase the minimum age at which you can retire to age 57 from April 2028. If you have selected a retirement age below age 57 and would not reach age 57 before this date, you may want to consider amending your retirement age on your account. We will be making changes in the run up to this change and will let you know more details about how this may affect you.
No, we don't show any state pension you might be entitled to in your annual statement. You can check your state pension age and what your state pension might be worth by visiting the government website.
No, we do not currently offer annuities. However, Smart Pension has partnered with Punter Southall to help you get the best annuity rate based on your circumstances. If you’re age 55 or over, you can use their Pension Potential annuity finder service to search the annuity market for free, with no obligation.
Get started at smartpension.pensionpotential.co.uk.
Yes, the Smart Pension Master Trust is tax-registered and there are no plans for this to change.
Pension fraud is one of the fastest-growing types of crime in the UK. It is very important to make sure that you do not put yourself at risk of losing money through some of today’s increasingly sophisticated scams. Learn more about how to spot potential scams.
If you suspect a scam, report it to the Financial Conduct Authority’s consumer helpline on 0800 111 6768 or contact Action Fraud on 0300 123 2040.