Experience and research show that employees find pensions complicated, and so important decisions they should be making about their futures are put off and forgotten.

To better facilitate member decision making, we offer access to help, guidance and ongoing support in a range of different ways – from our online Member Help Centre, workplace financial wellbeing and education seminars, telephone help desk, and more.

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Applies to Creative Workplace Pension
Applies to Creative Auto Enrolment Pension

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Member engagement and education

Our approach to improving member engagement is different, friendlier, and uniquely personal. From face-to-face presentations, webinars and one-to-one discussions, when you switch to Creative Pension Trust, you can access a range of inclusive member support services. Delivered by pension experts at Creative, scheme sponsor of Creative Pension Trust, we’ll provide the right forum fit for your employees to learn, question and understand.

Personalised investment guidance

When you switch your workplace pension to Creative Pension Trust, we’ll ensure every single employee receives a guided, personalised investment fund recommendation, complete with a welcome pack and information to help them make the most of their pension. This can not only ensure every employee’s existing pension pot in your outgoing scheme is invested appropriately, but can also help employees take control of old pensions from previous jobs that have been left unmanaged.

Salary Exchange (Salary Sacrifice)

Because we offer Salary Exchange as the standard contribution basis for participating employers, members benefit significantly too. The use of Salary Exchange allows members to save on National Insurance Contributions, meaning their take home pay is greater than it would be for pensions that use a traditional contribution basis. And, because Salary Exchange provides immediate tax relief to members, higher earners will not need to complete a tax return in order to claim their full tax relief – something most members of Group Personal Pensions and many standard master trust arrangements forget to do.

Pension tracing and consolidation service

Not only will we help all members safely transfer their existing workplace pension pot from your outgoing scheme, we also provide a pension tracing and consolidation service. For many, this can mean they have control over their entire pension savings history, with their funds together in one place, usually for the first time in their lives, where they are easier to manage, and, crucially, invested appropriately for them.

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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