© NEST Corporation 2014

Welcome to NEST

© NEST Corporation 2014

Legal information

© NEST Corporation 2013. All rights reserved. This information does not constitute financial, investment or professional advice and should not be relied upon as such. Reproduction in any form of all or any part of these slides is prohibited.

© NEST Corporation 2014

Your new workplace pension rights

Millions of workers are getting the opportunity to save in a workplace pension schemeYour employer may have to automatically enrol you into a pension scheme if you’re not already in oneYour employer and the government may have to put money into the scheme on your behalf if you’re eligibleIf you don’t want to become a member you can opt out

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Who’ll be automatically enrolled?

If you’re at least 22 but under State Pension age and earn more than £9,440 each year

you’ll be automatically enrolled

you’ll get contributions from your employer

you can opt out within one month of enrolment

you’ll receive a letter giving you more information

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What if I’m not automatically enrolled?

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Asking your employer to enrol you

You can ask to join if you’re aged over 16 and below 75

You’ll qualify for employer contributions if you earn over £5,668

© NEST Corporation 2014

Your new workplace pension scheme

NEST is for the millions of people who want a good value workplace pension scheme that does the hard work for them.

Easy to understandYou can look after your account onlineLow chargesManages your money carefully according to your age One retirement pot for life which you can pay into if you change jobs

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Who pays into your retirement pot?

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Retirement funds designed around your plans

NEST 2058 Retirement

Fund

NEST 2039Retirement

Fund

NEST 2022Retirement

Fund

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NEST’s other fund choices

NEST offers choice for those who want itNEST Ethical FundNEST Sharia FundNEST Higher Risk FundNEST Lower Growth FundNEST Pre-retirement Fund

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Taking your money out of NEST

You can take your money out at any time after reaching age 55You can buy a retirement income, take a cash lump sum or a combination of both If you suffer from ill-health you may be able to take your money out earlyIf you die before taking your money out you can make sure it goes to your loved ones

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What’s going to happen?

We will send you a letter letting you know your optionsIf you’re automatically enrolled or opt in, NEST will send you a welcome pack with your NEST IDOnce you’ve got your NEST ID you can switch on your online account

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What if you’re automatically enrolled and want to opt out?

You can opt out within a month once you’ve got your NEST ID:OnlineBy telephoneBy post

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Want to know more?

Visit nestpensions.org.ukContact nestpensions.org.uk/contactus