Welcome to Mercer Smart Pension

This is your new pension scheme provided by Smart Pension

You may see this referred to as Mercer Smart Pension from time to time, but it’s important to understand that your workplace pension is administered by the Smart Pension Master Trust.

About Mercer Smart Pension

Here's everything you need to know

Look out for your activation email and welcome letter

We’ll send you an activation email and welcome letter which will tell you how you can make the most out of your account. Keep an eye out!

About Smart Pension

We’re one of the UK’s largest workplace pension providers.

We help 1.4 million+ people save for their future

We support 70,000+ employers

We look after 5 billion+ of our members' savings

Key features of Mercer Smart Pension

When you sign in to your online account, you'll be able to access:

Member app

Keep track of your pension savings wherever you go and whenever you like. You’ll be able to change your investments and check your beneficiaries.

Learn more

Smart Rewards

A free benefit with over 1,400 rewards, helping you to save up to £600* a year in discounts at major retailers across the UK.

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Financial wellbeing

Meaningful financial support about all your finances, not just your pension. Our hub is full of money saving tips, tools and techniques.

Learn more

*Source: Smart Pension / Office of National Statistics.

Explore your investment options

You have options when it comes to investing your pension savings. You can choose from strategies managed on your behalf, or you can take a more hands-on approach and choose from a range of individual funds. Take a look at your investment guide, to see all the options available to you.

There's an estimated £19.4 billion in UK pensions pots lost or forgotten.

Explore your retirement options and services

As you approach retirement, you have access to a range of Retirement Services to help with your decision making. This includes an income drawdown option, as well as access to both digital and in-person financial advice. Read your retirement guide to find out more. ‍

Boost your pension savings

When you sign in to your online account, you'll be able to find any pension savings you've lost or forgotten about. You could then also boost your retirement savings by combining all your old pensions into one, or making a single contribution whenever it suits you.

Think about who to leave your pension savings to

When you sign in to your online account, you’ll be able to choose who you’d like your pension savings to go to if you die before taking them, and in which proportions. It’s important to add your beneficiaries, as otherwise, the trustees of the Smart Pension Master Trust will make this decision without taking into consideration your preferred choice.