Find out more about Creative Pension Trust

Creative Pension Trust is a modern, multi-employer Master Trust scheme. As a leading workplace pension provider, we offer employers with a low-cost, high-quality way to offer a company pension to their employees, whether they are a new business, micro employer, SME or large national organisation.

You can find out more about Creative Pension Trust, how it is run, governed and administered, in the information below. Alternatively, for more information specific to employers or members, head to back to our homepage.

Authorisation and Quality Standards

Authorisation and Regulation

Creative Pension Trust is authorised and regulated by the Pensions Regulator (tPR). In 2019, tPR introduced rigorous new standards applicable to all UK Master Trust pension schemes. As an authorised Master Trust, Creative Pension Trust meets or exceeds these quality standards and works closely with regulators to ensure transparent, fair and professional management of the scheme for the benefit of all its participating employers and members.

To view a list of Master Trusts authorised by the Pensions Regulator on tPR’s official website, click here.

Voluntary Accreditation

Creative Pension Trust is accredited by the Master Trust Assurance Framework (MAF), which was developed by the Institute of Chartered Accountants (ICAEW) and the Pensions Regulator. This voluntary accreditation provides a further independent review of our Master Trust against additional, industrywide quality standards.

To view the latest abridged assurance report, click here.

Independent Board of Trustees

Creative Pension Trust is an Occupational Pension Scheme governed by an independent Board of Trustees, including PAN Trustees UK LLP. PAN Trustees are a firm of independent trustees who act on behalf of all members of Creative Pension Trust to ensure the scheme is managed in their best interests.

To view our Independent Board of Trustees, click here.

To visit PAN Trustees UK LLP’s official website, click here.

Scheme Administration

Creative Pension Trust is administered by HS Administrative Services Ltd, who are experienced providers of third-party pension administration. HS Administrative Services Ltd, issue a range of electronic and postal communications and scheme materials to our members and power the Creative Pension Trust Member Portal.

To visit HS Administrative Services’ official website, click here.

Scheme Sponsor

Creative Pension Trust’s scheme sponsor is Creative Auto Enrolment Ltd, trading as ‘Creative’, a leading UK employee benefits consultancy, Chartered Financial Planner and provider of financial products and services. Creative specialises in Auto Enrolment, Employee Benefits, Wealth Management and Workplace Pensions.

Statement Regarding Scheme Governance

Our Annual Statement Regarding Scheme Governance describes how our Independent Board of Trustees have met statutory governance requirements.

To read Creative Pension Trust’s Annual Statement Regarding Scheme Governance, click here.

Statements of Investment Principles

Our Statements of Investment Principles outline the principles and policies that we apply in managing investments on behalf of Creative Pension Trust’s members.

Creative Auto Enrolment Pension

The Default Investment Strategy for Creative Auto Enrolment Pension (‘Section 1’) of the scheme is managed by Scottish Widows.

To read the Statement of Investment Principles for Creative Auto Enrolment Pension, click here.

Members seeking to confirm whether they are in the Creative Auto Enrolment Pension section of the scheme can do so by checking their investment fund on the ‘Pension Details‘ section of the Member Portal. Alternatively, members can access the Statement of Investment Principles directly using the ‘My Documents‘ section of the Member Portal.

Creative Workplace Pension

The Default Investment Strategy for Creative Auto Enrolment Pension (‘Section 2’) of the scheme is managed by Mobius Life.

To read the Statement of Investment Principles for Creative Workplace Pension, click here.

Members seeking to confirm whether they are in the Creative Workplace Pension section of the scheme can do so by checking their investment fund on the ‘Pension Details‘ section of the Member Portal, which will contain the prefix, ‘ML’. Alternatively, members can access the Statement of Investment Principles directly using the ‘My Documents‘ section of the Member Portal.

Trust Deed & Rules

As a leading, national multi-employer Occupational Pension, Creative Pension Trust is a Master Trust Workplace Pension.

To read the trust documents under which the Scheme has been established, click here.

Made me realise how important it is to get things arranged.

Employee and Pension Scheme Member

I realised the necessity of sorting my pension out and decoding how I am going to do this.

Employee and Pension Scheme Member

Really informative.

Employee and Pension Scheme Member

It made me feel more aware of what I am doing rather than just relying on someone doing it for me.

Employee and Pension Scheme Member

Presentation was very thorough and outlined all the options available.

Employee and Pension Scheme Member

I didn't really fully understand pensions and how they worked prior to this and now I feel assured and confident to make a decision to save for my future.

Employee and Pension Scheme Member

Extremely useful presentation. The Creative representative explained the scheme in terms understandable by everyone.

Employee and Pension Scheme Member

It has helped me to feel in control of my pension.

Employee and Pension Scheme Member

It helped explain our options very simply so much easier to understand rather than the usual jargon.

Employee and Pension Scheme Member