Help Centre for Advisers

Resource Library - Resources

Employee / Member Communications

Resource Library - Collateral

Collateral - Introduction


This section contains an interesting collection of policy findings, reports and white papers.


These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members


This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.


Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.


Find out how to login, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data in this section.


Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.


This section contains everything you need to know about managing your NOW: Pensions employer portal.

Resource Library - Reports & white papers

This section contains an interesting collection of policy findings, reports and white papers.

Value for money – Assessing value for money in defined contribution default funds

This report published by the Pensions Institute, explores whether the cost of membership offers value for money to the ‘average’ member. It looks at preliminary quantitative and qualitative findings of Caveat Venditor and provides fresh analysis.

reports
Pensions 2022 – A vision of the future

“Pensions 2022 – a vision of the future” is a white paper report that brings together the views of eleven industry experts and commentators on what they hope the world of pensions will look like in 2022 – ten years on from the introduction of auto enrolment – and what they believe needs to happen to make their vision a reality.

whitepapers
Policy of Social Responsibility in Investments – NOW: Pensions Trust

The Policy of Social Responsibility sets out the principles and policies adopted by NOW: Pension Trustee Limited in investing the assets of NOW: Pensions Trust.

videos

Resource Library - About NOW: Pensions

These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members

NOW: Pensions features and benefits brochure
Why NOW: Pensions for Advisers

Find out all the great reasons to work with NOW: Pensions in this document.

brochure
NOW: Pensions adviser proposition

This brochure outlines the flexible solution and comprehensive support that NOW: Pensions offers so you can focus on advising your cients, from initial engagement right through to launching the scheme and implementation.

brochure
Auto enrolment costs and charges

A two page document explaining some of the costs that may be associated with setting up a pension scheme, how to keep costs down and how much it costs to use NOW: Pensions.

brochure
An introduction to auto enrolment contributions

The NOW: Pensions contribution models are designed to cater for all requirements, from those that want to comply with the legislation at minimum cost to those that want to offer their employees an enhanced benefit. In this document we outline your options.

brochure
For employers: Guide to signing up to the NOW: Pensions scheme

This document outlines the online sign up process. It explains the steps that need to be taken, the information you will need to get started and what NOW: Pensions has to offer.

brochure
3 minute guide to NOW: Pensions

An introduction to NOW: Pensions briefly detailing our key services, investment proposition and presenting our Board of Trustees.

brochure
Adviser template: Auto enrolment overview of services and fees

An editable template financial advisers can give to clients outlining the fees advisers charge for auto enrolment such as assessment and structure; identifying and recommending providers; member communications; implementation; updates and post staging/duties start date services.

template
The NOW: Pensions investment approach

Information about NOW: Pensions investment proposition covering our investment strategy, philosophy and management. A useful document in gaining more information on how your money is being managed.

brochure
The key points to discuss with your adviser

There can be a lot of information to get to grips with when trying to understand auto enrolment. This document helps employers make sure they are asking the right questions when speaking to a financial adviser.

brochure

Resource Library - About auto enrolment

This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.

An introduction to auto enrolment

A guide to help explain the rules and regulations around auto enrolment including summary of auto enrolment, eligibility of a workforce (eligible jobholders, entitled workers and non-eligible jobholders), timings, member costs and postponement.

brochure
Step by step guide to auto enrolment

This step by step guide will help you understand what is expected of you and how employees may be affected. The steps are broken down into the following categories: Staging/duties start dates and planning, Scheme selection, Scheme design and contributions, Payroll integration, Assessing workers, Postponement, Communications, Record keeping and reporting.

brochure
Understanding auto re-enrolment

This document describes the process an employer must follow roughly every three years from their staging/duties start date.

brochure

Resource Library - Signing up

Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.

Direct Debit Instruction for contributions

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting contributions.

form
Direct Debit instruction for charges

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting charges, if applicable.

form
Guide to downloading a Direct Debit reconciliation report

This document provides guidance on how to use the Direct Debit contribution reconciliation report that is available on your NOW: Pensions portal.

brochure
Adviser template: Client agreement

A template financial advisers can use to give to their clients agreeing the services they will provide for setting up a pension scheme. It includes a description of initial services, charges, ongoing and potential ad hoc services, services not covered under this agreement and any risk warnings.

template
Adviser template: Suitability report

A report which financial advisers can adapt for their clients outlining their recommendation as to which pension provider they feel is most suitable, responsibilities, postponement, implementation plans and next steps.

template
Online sign up form

The online sign up form can be completed and given to a business adviser such as a financial adviser or payroll bureau who can set up your NOW: Pension scheme online for you.

form
Adviser template: Letter for prospective clients

A letter template financial advisers can send to potential clients to let them know that they advise on auto enrolment and that they can help them with the planning and set up.

template
Adviser template: Letter for existing clients

A letter template financial advisers can use to help communicate to their clients how they can help them with the planning and getting set up for auto enrolment.

template

Resource Library - Employer portal set up

Find out how to login, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data in this section.

Guide to setting up and using your employer portal

This is a document guiding employers through the initial set up of their employer portal and includes: logging in, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data.

brochure

Resource Library - Employee communication

Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.

An Employee’s Guide to Auto Enrolment

A straightforward and easy-to-read guide to auto enrolment into a workplace pension which explains auto enrolment from an employee’s perspective.

brochure
Member booklet

Welcome to the NOW: Pensions Trust, your workplace pension scheme. Our member booklet will help you understand your workplace pension and the importance of saving for your retirement.

It also explains where your money is invested, how tax relief on your pension contributions works, the charges we make, how to transfer pension savings in, and what you can do with your money when you retire.

brochure
PowerPoint: Introducing your workplace pension

A presentation for employees which welcomes them to the scheme, explaining charges, contributions, additional voluntary contributions, opting out and more. You can present this to employees when they first join the scheme.

template
Template: Tell your employees auto enrolment is coming

A letter which employers can give to their employees outlining when they will be auto enrolled, who is eligible to join and letting them know that NOW: Pensions will be looking after their scheme.

template
For members: What can you do with your pension pot

Changes to pension regulations mean that you have several ways to take your money. If you’re aged 55, or older, you can take your pension savings without having to buy an annuity.

Our helpful leaflet contains information about the pension choices available to you through the NOW: Pensions Trust and guidance about the things you need to think about when deciding what to do with your pension savings.

brochure
For members: Your pension’s key features

We explain what auto enrolment into a workplace pension is, how it works and how pension savings are invested for members of the NOW: Pensions Scheme. We also set out administration costs and charges related to your pension scheme.

brochure
A member’s guide to investments

We explain how NOW: Pensions manages members’ pension savings and how we invest employer and employee contributions.

We also explain how our Diversified Growth Fund and Retirement Countdown Fund work, including the growth phase, the protection phase and the glidepath to retirement, which apply at different stages of our members’ pension saving journey.

brochure

Resource Library - Employer portal management

This section contains everything you need to know about managing your NOW: Pensions employer portal.

Guide to the generic input file (payroll assessing)

This document is to be used where payroll is undertaking the assessement and is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

brochure
Guide to the generic input file (NOW: Pensions assessing)

This document is only to be used where NOW: Pensions is performing the assessment functions. Within it you will find the information that is to be included in the generic input file when uploading it to the NOW: Pensions employer portal.

brochure
Guide to the generic input file (voluntary scheme)

This document is for those who have selected a voluntary scheme. It is to be used where payroll is undertaking the assessement but the file being used has no headers. It is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

brochure
Guide to setting up pay periods

Some payroll software providers operate on a tax week/month basis so there may be some work to do at the start of the tax year to ensure submissions from payroll software providers can be accepted by NOW: Pensions. Within this document you will find instructions for creating new pay periods and amending existing pay periods.

brochure
Guide to avoiding data duplications

This document helps identify any potential problematic data to ensure that employee records are not being duplicated and employees are not being paid twice.

brochure
Guide to the generic output file

This document explains the different columns and formatting to be included in the file which is exported from the NOW: Pensions portal.

brochure
Payroll calendar upload template

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

template
Guide to common errors and warnings

This guide highlights some of the most frequent errors (in no particular order) encountered when uploading payroll files in the NOW: Pensions portal and provides guidance to overcome these issues should they arise.

brochure

Resource Library - Scheme Administration

Employee communication

Resource Library - Setting Up

Resource Library - About Auto Enrolment

Resource Library - About NOW: Pensions

Resource Library - Coronavirus FAQs

Business support and finance during the Coronavirus

Resource Library - Your Pension Scheme

Resource Library - Signing Up

NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions.
Martin Woods, SALT.agency