The Master Trust Pension that brings everything together

If you thought a Master Trust Pension was only for auto enrolment duties, it’s time to think again. Creative Pension Trust is more than a modern, auto enrolment-compliant master trust pension – it’s the all-inclusive workplace pension solution designed to flex to the needs of all employers, however simple or complex.
Whether you’re seeking a Master Trust pension for your new business or you want to enhance your employees’ financial wellbeing and drive better member outcomes, Creative Pension Trust can provide you the most cost-effective solution.
Designed by industry experts to meet the increasing challenges faced by employers, it’s the first scheme of its kind that offers you choice – and the last pension you’ll ever need.

The all-inclusive Master Trust Pension

Unlike other Master Trust Pensions and traditional Occupational Pensions, Creative Pension Trust has everything employers need built-in, so all of your regulatory needs and best practices are taken care of.
Our service includes:
  • Auto enrolment system – our end-to-end system, built from the ground-up to integrate auto enrolment, has you compliant in just a few clicks and works with any payroll software or provider. Our unique process lets you close your payroll first, making payroll as easy as it used to be
  • Our unique Auto Enrolment Compliance Guarantee – follow our process and you can’t go wrong
  • Default Investment Strategy – to ensure the best investment performance for members who aren’t comfortable making their own investment decisions
  • Employee Engagement – annual newsletters and quarterly communications from our Independent Board of Trustees
  • Helpdesk – staffed by our team of technical specialists, who address over 6,000 queries per month
  • Investment Committee – who advise the Independent Board of Trustees in order to achieve high performance outcomes
  • Scheme Governance – scrupulous oversight and stewardship from our Independent Board of Trustees, who ensure Creative Pension Trust is managed for the benefit of all members, removing the organisational overhead from your business
  • Statutory Communications – to ensure you meet your auto enrolment and re-enrolment duties, informing your employees at all stages
Our scheme is easy for you to deploy. There’s no extra software, new systems or processes – we provide everything you need to manage and stay compliant in one place. It comes with all the legal requirements for effective scheme management built in too, so you can rest assured that your employees have a safe home for their retirement savings without management overheads like investment reviews and governance programmes taking your time away.

A consumer-friendly workplace pension members can understand

We’ve designed a quality workplace pension scheme that’s easy for employees to understand and use.
Rather than overwhelm with choices that require specialist knowledge and regular reviews, our investment process is simple enough to understand without taking away the freedom for employees to make their own choices according to their age, needs and preferences – it’s a scheme that can grow with them.
We’ve also designed Creative Pension Trust to be as accessible as a modern-day pension should be, with user-friendly scheme documentation and information, an online Member Portal, access to friendly expert support and a range of retirement options to suit different needs.
Member benefits include:
  • A very low-cost way to save for retirement
  • A high-quality, consumer-friendly workplace pension
  • Safety and peace of mind provided by our Board of Trustees and trust
  • Secure, online access to view and manage their pension
  • A simple online process to combine old pensions so they don’t forget them
  • Sensible, understandable range of investment choices – or we manage them on their behalf
  • Investments managed by global specialists, such as Scottish Widows, BlackRock and Legal & General

Streamline your employer duties without cutting corners

Through our unique scheme design, expert support and economies of scale, we can achieve superior outcomes for you, your organisation and your employees without the significant additional expense of paying for consultants and advisers. As a Master Trust Pension provider, we are required to meet the highest standards set by our regulators and carry additional voluntary accreditation, thanks to our robust systems, management and processes. We:
  • Are authorised and regulated by the Pensions Regulator (tPR)
  • Are Master Trust Assurance Framework (MAF) Accredited
  • Invest via Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA)-regulated investment managers
We provide a substantial range of benefits to participating employers. Just take a look at some of them below. Small wonder that our Master Trust Pension is trusted by over 15,000 employers throughout the UK:
  • A modern workplace pension, built by experts – so you don’t have to become one
  • We can help you achieve substantial time and cost savings
  • Our scheme is easy to implement and comes with dedicated onboarding management
  • Reduce the overheads of needing to keep up with legislation and increasing requirements
  • You can remove pension compliance from your company risk register, safe in the knowledge we’re handling it for you
  • Enhanced member outcomes thanks to a strong governance regime, very low member costs and a robust investment strategy
So, don’t cut corners and change your priorities – change your provider.

Auto Enrolment Pension for New Businesses

Find out about the Creative Auto Enrolment Pension

Large Employer Master Trust

Find out about the Creative Workplace Pension

Information for Employers

What our members say…

Clarified what decisions I have to make - also made clear in my mind which decisions they will be

Employee and Pension Scheme Member

It is good to know where our money is invested - I had no idea before

Employee and Pension Scheme Member

Constructive advice for the future

Employee and Pension Scheme Member

It's helped me with information on how I will benefit from the pension and also that I can increase my contributions.

Employee and Pension Scheme Member

A much greater understanding of the pension system

Employee and Pension Scheme Member

The seminar was very helpful and helped me to understand everything about my pension

Employee and Pension Scheme Member

Expanded my knowledge of how pension schemes work

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

It helped me and my colleagues understand how pensions work better than we did before

Employee and Pension Scheme Member

It helped me realise I could potentially have more money when I retire

Employee and Pension Scheme Member