What to Consider

  • Is it cost efficient?

    Over a pension’s lifetime, those little fees and charges can add up and drastically reduce the actual return. So it’s important to find out how much you’re being charged, and to find a pension company that won’t milk you for every last penny. At NOW: Pensions, we keep costs down in three ways:

    1. We have simple and efficient administration designed to maximise pension returns.
    2. We pool investments and aim to make sure you only pay for services that add value to your pension.
    3. We never intentionally pay or charge excessive fees.
  • Is the investment performance good?

    Many savers have watched their hard-earned pensions evaporate in recent volatile market conditions. That’s highlighted the need to find investment managers who are able to produce stable returns over a long period of time, and in varying market conditions. ATP – NOW: Pension’s investment manager, has provided stable returns to all Danish pension savers for more than 45 years – in both rising and falling markets.

  • Is it simple and straightforward?

    If it’s too complex it will take up a lot of your time, costs will increase and mistakes will often occur. Processes that are overly complicated are usually unnecessarily expensive. NOW: Pensions prides itself on keeping things simple, being straightforward and making it as easy as it can be for both employers and your staff.

  • Is it transparent?

    It is important that you can see what the charges are, what the potential conflicts of interests might be and how it all works. With financial services this is not often easy. NOW: Pensions enables employers and members to keep track of their pensions easily and see clearly the charges that have been paid.

  • Is it trustworthy?

    You have a business to run and don’t want to spend your time worrying about pensions. This makes it even more important that you are absolutely sure your pension provider will have your interests at heart at all times – rather than their own. NOW: Pensions believes in total accountability. Our independent Board of Trustee Directors’ role is to assess potential conflicts of interest and we have structures in place to constantly monitor these. This ensures that any decision we take which may impact on our members’ interests will only be taken if it is in our members’ interests we never do anything that is not in our members’ best interests.


…We pride ourselves on our abilities to make the perfect match for both clients and workers. Our decision to appoint NOW: Pensions came as a result of wanting a quality workplace pension scheme that is structured, simple and easy for us to… — Ian Naylor, Legal Director of Randstad
ATP comes to the UK pensions world with the highest commendations from the Danish trade unions, employers and government. NOW: Pensions' offering in the UK will be high quality, low cost, and honest and I'm proud to be associated with it. — John Monks, member of House of Lords and former General Secretary of ETUC and TUC
I've known ATP for many years and have enormous respect for the effectiveness of their investment strategy. I'm convinced that NOW: Pensions can become a major player in the UK and look forward to being a part of that success. — Chris Daykin, the former Government Actuary
NOW: Pensions' risk management and diversified growth fund are state of the art. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
Why do we insist on having a choice of fund manager when the evidence shows there is usually no benefit to be gained…and there is always a negative impact in terms of cost? — Anthony Hilton financial editor of the Evening Standard writing in Pensions World, June 2013