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... A workplace pension is a pension scheme arranged by, or on behalf of, an employer and helps eligible employees save for retirement. Find out what the difference is between relief at source and the net pay arrangement. Our workplace pension for employers and advisers is easy to set up and use online. Auto enrolment can seem complex, but it’s easy if you know what to do and when to do it. Unlike the workplace pension, it’s set up and paid into by you. From defined benefit pension schemes to Group Personal Pensions, our guide helps you find out more about the different types of scheme available. Pension Portfolio is a self-invested personal pension, offering access to thousands of funds, equities, investment trusts, exchange-traded funds, fixed income securities and commercial property. Assessing staff eligibility for auto enrolment. From setting up your scheme to explaining how start dates work, we’ll make it easy for you to get up and running with workplace pensions. Do you employ someone? Aviva Business offers a range of contract and trust-based pensions designed by our industry specialists to meet the needs of your business. Find out about types of workplace pension. Got a question on Aviva workplace pensions? A personal pension is a pension pot that’s completely separate to your workplace pension and state pension. Whether you’re a massive multinational or a business of 5+ employees, we’ll have a workplace pension for you. Find out how we can help you support your clients with auto enrolment. Aviva Central Services UK Limited is registered in England and Wales under company number 3259447 and has its registered office at Surrey Street, Norwich, Norfolk NR1 3NG. Pension and savings options for every type of business . It comes as employers and employees are increasingly recognising the value of a well-run workplace pension scheme. When you’re considering a scheme, it’s also worth considering whether it will be compatible with your payroll software. Aviva Workplace Pension Our workplace pension is designed to give you a scheme that’s easy to set up and administer, ideal for your auto enrolment needs. Contact the Aviva Platform support for help with the Aviva Platform products, Pension Portfolio, ISA Portfolio or Investment Portfolio. The legal minimum is 3%. You can find out more and get a quote in minutes. Explore our guide to find out your options, and how much you’ll need to contribute. It’s best to start preparing for your auto enrolment duties well in advance, but we know it’s sometimes easier said than done. Aviva has launched the ‘Stewardship lifestyle strategy’ - a workplace pension default investment strategy that incorporates ethical and ESG (environmental, social … Every three years you have a duty to re-enrol eligible employees into your scheme – find out how to do this. We use cookies to give you the best possible online experience. Our overview of the costs talks you through how much you’ll have to pay. It offers both phased and single drawdown options for your clients. We’re one of the largest insurers in the world and have consistently high ratings from all major credit-rating agencies, including Moody’s, Fitch and S&P Global. Now, this may not seem so big…. Employees can opt out of workplace pensions if they want to, but that means losing out on the contributions employers would make and the tax relief they would get from the government. But the aim is to build a pot which could make a big difference to your employees’ future. This is called postponement – and you can find out how and when to use it. • They offer a range of funds and check that the pension scheme offers members value for money. For further support, give our team a call on 0345 604 9915. These contributions are invested for you and will remain invested until you decide to retire or access your pension Our workplace pension is designed to give you a scheme that’s easy to set up and administer, ideal for your auto enrolment needs. We currently provide workplace pension schemes for some of the UK’s best-known companies, offering a range of investments and support for over 4 million pension scheme members in more than 26,000 companies. Recent changes to state pension age, and the removal of the default retirement age, means people are now free to work for as long as they want or need. Our tips and tools can help you plan ahead, plus get your online State Pension forecast. If you continue, we’ll assume you are happy for your web browser to receive all cookies from our website. Before this was introduced, back in 2012, employees simply joined a scheme if they wanted to. You need to be able to keep an eye on how your pension scheme is doing. Tools and services to build resilience for businesses and employees, Find the right health solution for your business. Find out more. Like employees, employers have to meet a minimum level of contributions for all enrolled scheme members. We’ll make everything clear, in jargon-free language. Our comprehensive guide tells you how, when, and what to do. We use cookies to give you the best possible online experience. A Workplace Pension scheme could help bring their plans together. Of course, the employer or the employee may decide to contribute more than the minimum amount. • They must act in the best interests of members. If you continue, we’ll assume you are happy for your web browser to receive all cookies from our website. Happily, the government do their bit, too – in the form of tax relief. Planning for your retirement . Aviva Workplace Pension Our workplace pension is designed to give you a scheme that’s easy to set up and administer, ideal for your auto enrolment needs. You’ll also find guidance on what to do in specific scenarios, such as completing your declaration of compliance or carrying out regular re-enrolment which is part of your duties as an employer. Using our experience and expertise, we have undertaken a review of the market before selecting Aviva as the provider of the Elect Workplace Pension. If they do, the employee can pay in less as long as both contributions together add up to at least 8% of the employee’s total salary. We break down the potential costs, including provider’s charges, payroll costs and fees for advice, as well as the contributions themselves. See our cookie policy for more information on cookies and how to manage them. The pension itself. Your enrolment duties start from the date on which a member of staff joins your business. Watch our quick guide to understand who needs to be enrolled and what options you have available. Find out what auto enrolment is, why it was introduced, what it means for your workplace pension and whether we can expect it to change. Find out more. Fines and penalties may also apply. Both employer and employee are obliged to make a minimum contribution into their pension pots, which continues for the duration of a worker’s employment or until they take their money out of the employer’s scheme. Auto enrolment is a process introduced by the government to make sure employees are automatically enrolled into their employer’s workplace pension scheme. So, if you're a basic rate tax payer, every £100 which goes into your pension will cost you £80 from your post-tax pay. That’s why we’re here to talk you through a late or missed duties start date. Your auto enrolment duties start at the same time as your first employment contract. The facts you need on the payments you have to make into your employees’ pensions, including minimum contributions and examples. A percentage of the employees’ salary is paid into a nominated scheme along with employer contributions and builds a pot of money ready for retirement. You can find out more and get a quote in minutes. We do this by creating awareness, knowledge and confidence – across physical, financial and mental wellbeing. Help bring your employees’ future plans together. Our straightforward guide to auto enrolment law and legislation tells you everything you need to do to provide your employees with a compliant workplace pension. As part of your auto enrolment duties, you’ll have to re-enrol eligible employees regularly. More employers have their workplace pension with Aviva than any other provider and after a thorough review of its business, Aviva is back with a bang. On this page you’ll find links to detailed information about auto enrolment, including who’s eligible and what to do when. Get your employees thinking more about saving smarter. Company Pension - Company Stakeholder @ Aviva - Employer Application for use with new schemes that have a start date on or after 1 June 2015 pdf SP03203 16-10-2019 Please enable your browser JavaScript to view the video. As a result of automatic enrolment, millions of people now have a workplace pension. Find out how this affects you. Aviva Life & Pensions UK Limited. You can either talk to your school, or go online today at workplace.aviva.co.uk/aptis for full d etail of the scheme. Health insurance. Find out how you can re-invigorate and support your workforce in an increasingly ambiguous world. You’ll normally receive regular reports from your provider to help with this. Find out about the Aviva Workplace Pension. Aviva told The Sun that since 2012, more than 10 million people have been automatically enrolled into a workplace pension. Find out about the Aviva Workplace Pension By law, you’re required to contribute to your employees’ pension schemes. Login to MyAviva, the simple way to view and manage your insurance, savings and investment policies in one place, whether you’re at home or on the go. Coronavirus updates for business policies. Tools, Stock and Business Equipment Insurance, Aren’t already enrolled in a suitable scheme, Are aged between 22 and State Pension age, Find out more about our workplace pensions and get a quote in minutes, Our range of competitive trust and contract pensions for larger scale pension plans, Our team specialise in de-risking pension plans and creating certainty for members. If you need some extra support with your workplace pension, a business adviser can help you set up and run your scheme. Find out who needs to be auto enrolled, when you need to do it, how much it will cost and what you stand to gain from it – all the basic facts on auto enrolment, in one place. Registered in England No. Aviva offers a wide range of insurance and savings products to help people protect what's important to them and save for a comfortable future. ... Our workplace pension for employers and advisers is easy to set up and use online. On its own, the maximum state pension adds up to an income of £8,767.20 per year for a single person. Find out who’s eligible for auto enrolment and how to assess your staff. The Idox Group Company pension is provided by Aviva. It was introduced by the Government to help workers provide an income for when they retire. We show you how tax relief will be applied to your employees’ pension contributions. Whether you’re an employer who is new to auto enrolment, or simply need more information on workplace pensions, you’re in the right place to find out everything you need to know. Aviva has solutions for all sizes and types of business, with a range of benefits for your clients and their employees. No matter what sort of business you’ve got…. Get a quote and see how Aviva can help you and your business. Aviva Business workplace pensions have you covered whether you're a new company, or employing someone for the first time. Once the kids have left home and I’ve paid off the mortgage, I can start to enjoy myself. If you’re looking for solutions for larger schemes or have more complex requirements, we have a full range of pensions and savings products to suit your needs. Aviva • We run the pension … •rustees oversee your workplace pension The T and have extensive experience of governing registered pension schemes. If you continue, we’ll assume you are happy for your web browser to receive all cookies from our website. Here’s how to do it. Find out more about auto enrolment contributions. You need the confidence to know your pension scheme is safe with your chosen provider. All businesses are now obliged by law to provide a suitable workplace pension scheme for eligible staff. Your hub for the latest news, expert insight and research reports. In a recent survey* by Aviva, pensions came second in a poll of workplace benefits employees were most interested in, just behind annual leave.. More than a million businesses have set up a scheme and 10 million employees have begun saving for their retirement. A workplace pension is a way of saving for your retirement that’s arranged by your employer. Employees have to meet certain criteria in order to become members of your workplace pension. Find the right workplace savings package for your clients . All the information you need to pick the right auto enrolment pension for your business and your employees. ... Free and impartial guidnace to people with workplace and personal pensions. The Aviva brand is about giving their 33 million global customers the confidence and control to be ready for life's opportunities and challenges. To ask about a quote, account administration, or transferring or starting a scheme, here are our contact details. Not sure how? We have solutions for different sizes and types of businesses, with a range of benefits for you and your employees. With over 31 million customers worldwide, we can help to find you the right healthcare cover for you and your business Retirement is the light at the end of the tunnel. Tools, Stock and Business Equipment Insurance, Find out more about our workplace pensions and get a quote in minutes, Our range of competitive trust and contract pensions for larger scale pension plans, Our team specialise in de-risking pension plans and creating certainty for members. Because the money is invested, its value could go down as well as up, and the scheme member may not get back all that has been invested. In some schemes, the employer has the option to pay in more than this. Different types of workplace pensions The most commonly offered scheme is a defined contributions (DC) pension in which your financial contributions are invested. Check out our guide to auto enrolment duties, It’s important to make sure your chosen scheme suits the individual needs of your business – especially if these have changed since you first found a pension provider.Â, Our guide on finding a great workplace pension. We use cookies to give you the best possible online experience. I’ve worked hard and put quite a bit aside in my workplace pension– it gives me peace of mind to know it looks like I’m on track to have a comfortable retirement. 3253947. From starting out on their pension journey to consolidating their existing funds, we aim to make it straightforward for your clients to invest for retirement. If you continue, we’ll assume you are happy for your web browser to receive all cookies from our website. We’re on hand to help. From ups and downs in the economy to technological progress and staff turnover… things change fast in business. Your scheme provider should be able help you with training and support. Find out what to do if you’re late setting up. This applies to all eligible workers aged 22 or more and who earn at least £10,000 per year. This means you have the peace of mind that your company pension meets all the regulatory requirements and makes you compliant with your legal obligations. You will also be able to access a range of tools and documents explaining how APTIS works. Explore online pensions . Our page has a variety of supporting material for you and your members to download and share. Find out about the Aviva Workplace Pension You and Morrisons pay into the pension scheme. Our 3 individual pension products offer fantastic flexibility for different needs and mean your clients can easily adapt their planning to changing personal circumstances. Workplace savings . We consider how this could affect the way you manage your workplace pension scheme. And even if you have just one employee, they need to be enrolled in a workplace pension scheme. If you are a UK based business and employ someone then you need to provide a workplace pension. automatically enrol their employees into a workplace pension scheme if they meet specific criteria. See our cookie policy for more information on cookies and how to manage them. From 10 years to your chosen retirement age Your money gradually moves into the Aviva Pension My Future Consolidation fund, which continues to provide the potential for growth, but aims to avoid large fluctuations in the value of your pension pot. As well as information on using Aviva’s convenient platform to help you manage your workplace pension, you can read how other employers have reacted to auto enrolment – and also access straightforward factual material to share with your employees.Â, Working Lives Report (for employers) PDF (1.3MB), Aviva Company Pension - An essential guide for employees (for employees) PDF (400KB), Aviva billing platform user guide (for employers and advisers) PDF (6MB). How to complete your declaration of compliance. Find out how you can re-invigorate and support your workforce in an increasingly ambiguous world. Aviva Central Services UK Limited’s VAT number is … This is the result of a government initiative to help people who otherwise might not save enough money to live on when they retire. Find out more here. Suitable for companies from start up's to corporates. Analysis from Aviva has revealed that millions of workplace pension savers in the UK could miss out on thousands of pounds in retirement because they haven’t updated their planned retirement date. p10 | Workplace Retirement Account Investment guide 0 10 20 30 40 50 60 70 80 90 100 Aviva Pension MyM Morrisons Growth Aviva Pension MyM Morrisons Pre-Retirement Aviva Pension MyM BlackRock Sterling Liquidity Target % invested in fund Cash Lump Sum Lifetime Years to retirement 15+ 14 13 12 11 10 9 8 7 6 5 4 3 2 1 IPED* Title: MyAvivaBusiness - User Guide v3.0 Author: Lee Wheatcroft \(Aviva UK\) Created Date: 10/15/2019 9:17:57 AM ... Pension Wise Free and impartial government guidance about your defined contribution pension options. If you start late, you’ll need to act quickly – you may have to make up missed contributions from the employee as well as yourself. Tools and services to build resilience for businesses and employees, Find the right health solution for your business. Stakeholder Pension documents. Aviva workplace pension schemes provide retirement options for employees of businesses. Product offers As a thank you for choosing Aviva for your workplace pension your employees will be able to get up to 10% discount … The insurance firm added that … This could make your life quite a bit easier! You can choose to invest in shares, fixed interest, property and money markets. Workplace Retirement Account Member guide | p3 This guide is produced by Aviva on behalf of the Trustees and tells you how the pension scheme chosen for you by Morrisons works. Basically, UK-based employees who earn more than £10,000 a year…. The idea behind auto enrolment is that more employees will save for their retirement – although they can still opt out if they wish. Bireysel emeklilik, hayat, kaza ve işsizlik sigortalarında yerel tecrübesi ve uluslararası bilgi birikimi ile öncü AvivaSA Emeklilik ve Hayat'ın web sitesidir. We have several types of DC pension available: Find out more about different types of workplace pensions. Aviva is one of the UK's leading life insurers. Find out more. Our pension schemes have been recognised throughout the industry and have received a number of prestigious awards: Take a look at our range of interactive tools and articles. Group pension mutual funds can be established on the basis of workplace or certain occupational groups on a sectoral basis and provided that it will be considered appropriate by the Capital Markets Board, by means of distribution of the fund shares to certain persons or groups. Coronavirus updates for business policies. Find out more. Personal pension. This is the same time as your PAYE duties. Aviva lets you choose a ready-made fund or you can choose your own. To let The Pensions Regulator know you’re up to date, you’ll need to complete a declaration of compliance. Our eight-step guide tells you what, when and how to complete your auto enrolment duties. Find out about the workplace pension law on The Pensions Regulator website. …and are aged between 22 and the normal state pension age. Wondering what financial impact a workplace pension scheme will have on your business? We use cookies to give you the best possible online experience. Find out more about employment duties start dates. We’re trusted in the industry and remain in a strong position to support your business and needs. As an employer, you have to contribute. MyAvivaBusiness is a site operated by Aviva Central Services UK Limited. Discover new ways to grow your business and support your employees. Setting up a workplace pension scheme needn’t be difficult. The benefit of a workplace pension is that you will normally be eligible for tax relief from the government on your personal contributions. We support businesses in helping their employees gain a greater control of all their wellbeing needs. Employees who’ve been auto enrolled onto your workplace pension scheme can choose to opt out. We use cookies to give you the best possible online experience. Here you can download more useful information on auto enrolment. A workplace pension is a pension scheme arranged by, or on behalf of, an employer and helps eligible employees save for retirement. If you continue, we’ll assume you are happy for your web browser to receive all cookies from our website. Most UK employees now need to be automatically enrolled. Find out about auto enrolment for workplace pensions, with our easy to follow general guidance and information. And your employees’ hopes for their future may be a good deal bigger than the kind of lifestyle the state pension could support. You can delay assessing your staff for auto enrolment if you need to. Eligible for auto enrolment can seem complex, but we know it’s sometimes easier than. Compatible with your chosen provider possible online experience people with workplace and personal pensions you find what! Income of £8,767.20 per year for a single person health solution for your web browser receive. Of compliance guide helps you find out more and get a quote and see aviva... Aviva is one of the scheme payments you have a duty to re-enrol eligible employees save for retirement... For auto enrolment is that more employees will save for retirement a way of saving for your and! 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