Pension Basics

Changes since last visit

• · 17 employees received salary increases
• · 11 employees crossed an age milestone
• · 23 employees have never interacted with pension education
• · 7 employees appear to have stopped increasing contributions
• · 14 new employees became eligible

Recommended agenda

1. What your workplace pension is
2. Your contribution and your employer's
3. Tax relief in plain English
4. Where to find your pension
5. Questions

Suggested talking points

• · Employer contribution is part of pay
• · Default settings are a starting point, not a decision
• · How to ask a question without jargon

Cohort — New joiners & non-engaged (47 employees)

• · 18 new joiners
• · 12 employees on default/minimum contribution
• · 17 employees with no education engagement

Top open opportunities

• · Daniel Hughes — Pre Retirement (priority 91)
• · Stephen Ward — Contribution Stop (priority 90)
• · James Fletcher — Pre Retirement (priority 89)
• · Charlotte Wilson — Contribution Drop (priority 88)
• · Edward Lynd — High Earner Taper (priority 88)
• · Ben Hargreaves — High Earner Taper (priority 88)
• · Nadia Volko — High Earner Taper (priority 88)
• · Marcus Bellamy — High Earner Taper (priority 88)

Employee questions to expect

• · Ben Carter: “Which fund should I be in?”
• · Katie Lomax: “What is auto enrolment actually?”
• · Nadia Petrova: “Does salary sacrifice change my take-home pay?”
• · Charlotte Wilson: “If I lower my contribution for a year, what does that cost me later?”
• · Daniel Hughes: “Can I retire at 60 with what I've got?”
• · Mohammed Ali: “Should I combine my old pensions?”