Compare Master Trust Pensions

On this page, you can compare master trust pensions we offer, designed to answer the needs of employers of all sizes.

Creative Pension Trust offers a guaranteed home for employers of any size seeking the significant benefits of a master trust pension. We are open to all UK employers and are proud to be authorised by the Pensions Regulator.

All our workplace pensions come with an end-to-end automatic enrolment system and give you all the tools, support and high-quality service you need – with no need for expensive third-party consultants or costly extras.

Compare Master Trust Pensions offered by Creative Pension Trust:

Creative Auto Enrolment Pension

Great for: Startups, Micro Employers

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Creative Auto Enrolment Pension is the perfect auto enrolment workplace pension for startups and micro employers. If you’re a new business and have been given your ‘duties start date’ (when you employ someone for the first time, you have auto enrolment duties), our Creative Auto Enrolment Pension can have you up and running in minutes.

Creative Workplace Pension

Great for: SME-Large Co’s, Switchers

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Creative Workplace Pension is ideal for SME and large employers with a minimum of 30 employees seeking a better, modern, quality workplace pension scheme that delivers better outcomes for members and terrific value-added services. Sponsoring employers can receive inclusive support, including member education and financial guidance, governance, consultancy, and a complete auto enrolment solution.

Features

Pricing
Creative Auto Enrolment Pension For new employers
Creative Workplace Pension For switchers
Monthly Employer Charge
£21.50
From £0.00 (price on application)
Member Annual Management ChargeWe offer low cost Annual Management Charges on our Default Investment Strategies and a consumer-friendly range of other investments priced by fund.
0.4% AMC
0.3% AMC
Monthly Member Fee
£2.00
From £0.00 (price on application)
Getting started
Creative Auto Enrolment Pension
Creative Workplace Pension
Guaranteed acceptanceCreative Auto Enrolment Pension provides guaranteed acceptance and terms for new employers. Creative Workplace Pension offers highly competitive terms for employers switching from another pension provider.
Enquire
Non-UK employers acceptedWe are open to all UK employers and non-UK employers with a UK bank account. You'll also benfit from our Creative Auto Enrolment Compliance Guarantee, ensuring your remain compliance with UK law.
Helpdesk & online supportOur friendly team is a call away when you need support. Creative Workplace Pension offers extensive support to install, communicate and launch your new pension to employees when switching schemes.
Setup:Creative Auto Enrolment Pension lets new employers get up and running and compliant in minutes. Creative Workplace Pension offers dedicated consultative support services provided by Creative, sponsor of Creative Pension Trust.
Online
Bespoke
 
 
Implementation Consultant
 
 
Onboarding Team
 
 
Data integrity health check
 
 
Training sessions
 
 
Onsite & virtual financial guidance workshops
Customer support (rated by our customers)We regularly survey our customers. Data derived from inbound calls. Sample date: March 2020
star
star
Credentials
Creative Auto Enrolment Pension
Creative Workplace Pension
 
Master trust - CAEP Credentials MAF Accredited - CAEP Credentials Auto Enrolment - CAEP Credentials

As Creative Auto Enrolment Pension +

Defaqto - CWP Credentials
Quality & Governance
Creative Auto Enrolment Pension
Creative Workplace Pension
Multi-employer Master Trust Pension
Independent Board of Trustees
Dedicated Investment Committee
Built-in Scheme Governance
Auto Enrolment support
Creative Auto Enrolment Pension
Creative Workplace Pension
Meets or exceeds all Auto Enrolment requirements
Contribution basisCreative Pension Trust is a Qualifying Workplace Pension Scheme. Creative Auto Enrolment Pension accepts Qualify Earnings only. Creative Workplace Pension accepts any Auto-Enrolment compliant contribution arrangements.
Qualifying Earnings
Any
Built-in Auto Enrolment tools and services:
 
 
Creative Auto Enrolment Compliance GuaranteeRun your payroll, upload your correct payroll data and we’ll do the rest! Don’t risk a regulatory fine for getting it wrong - follow our straightforward process and you're covered.
Automatic Enrolment assessment
Automatic re-enrolment
Automatic postponement
Automated statutory employee communications
Arrears & underpayments checking
tPR Declaration of Compliance
Re-declaration of Compliance
Direct Debit contribution collection
Payroll support
Creative Auto Enrolment Pension
Creative Workplace Pension
Standard contribution basis
Net Pay (Optional Extra: Salary Exchange)
Salary Exchange
Creative Auto Enrolment Pay Day GuaranteeWith Creative there's no risk of failing to pay employees on time. Our unique process runs after you close your payroll.
Payroll agnostic (works with any system)
Payroll frequency support:
 
 
Weekly
Bi-Weekly
Monthly
Payroll Portal:
 
 
Cloud-based portal
Always up to date
Secure, HTTPS encrypted portal
Customer support (rated by our customers)We regularly survey our customers. Data derived from inbound calls. Sample date: March 2020
star
star
Investments
Creative Auto Enrolment Pension
Creative Workplace Pension
Investments powered by
Scottish Widows - CAEP Investments
State Street - CWP Investments Black Rock - CWP Investments Legal & General - CWP Investments HSBC - CWP Investments
Default Investment Strategy
Member-specific retirement ageOur default scheme retirement age is 65. Members can change their plans using the Creative Pension Trust Member Portal
Investment fund range
5
20
Self-select investment styles:
 
 
Fund of funds
Target Date fund rangeMembers can choose from a range of funds available in 5 year increments, targetting a given retirement date.
Risk-rated fund rangeMembers can choose from a range of funds with options that suit their own attitude to risk.
Ethical fund
Shariah fund
Retirement options
Creative Auto Enrolment Pension
Creative Workplace Pension
Tax-free cash
Lump sum
Uncrystallised Funds Pension Lump Sums (UFPLS)
Flexi-Access Drawdown
Transfer out (annuity purchase)
Tax-free death benefitMembers can nominate beneficiaries to receive the value of their pension tax-free if they die before taking it, subject to the usual checks and scheme rules.
Member self-service & support
Creative Auto Enrolment Pension
Creative Workplace Pension
Helpdesk & member website
Online account access:
 
 
Encrypted, secure online Member Portal
Get daily pension fund value updates
Nominate and manage beneficiaries
Update personal and contact information
Combine old pensions
Manage investment choices
On demand fund value statements
Manage retirement date
Member communication
Creative Auto Enrolment Pension
Creative Workplace Pension
Statutory auto enrolment communications
Regular digital member communications
Onsite & virtual financial guidance workshopsConsultancy and member services provided by Creative, sponsor of Creative Pension Trust.
Personalised welcome packConsultancy and member services provided by Creative, sponsor of Creative Pension Trust.
Personalised investment guidanceConsultancy and member services provided by Creative, sponsor of Creative Pension Trust.
Pension transfer serviceConsultancy and member services provided by Creative, sponsor of Creative Pension Trust.

In the words of our members…

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