Help Centre for Advisers

Who can join?

Eligible:

If you’re aged 22 to State Pension Age, working in the UK, earning above £10,000 – you’re eligible and will be auto enrolled.

Your employer will also make contributions on top of your own.

Non-eligible:

If you’re aged 16 to 21 or State Pension Age to 74, working in the UK, earning above £10,000 or aged 16 to 74 and working in the UK, earning above £5,876 and up to £10,000 – you’re non-eligible and will not be auto enrolled.

You are still able to choose to opt in and benefit from employer contributions.

Entitled:

If you’re aged 16 to 74, working in the UK, earning below £5,876 – you’re entitled.

You won’t be auto enrolled, but you can ask to join. NOW: Pensions operate standard contribution models therefore require that an employer makes a contribution for all employees including entitled workers.

Earnings thresholds are reviewed by the Government annually and will change over time.

I am backing NOW: Pensions, the ATP project, because I believe it will encourage transparency, low costs and decent returns for millions of British employees. — Nigel Waterson, former Shadow Pensions Minister
...its simple design means the pressure is taken off us as the employer and avoids costly administration charges, whilst removing the burden of choice and ensuring the best possible retirement outcome for our employees. — Matthew Johnson, Head of Compensation and Benefits at Adecco Group UK & Ireland
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
Over a short period of time, NOW: Pensions has established itself as a respected and credible player in the UK workplace pensions market attracting thousands of employers and hundreds of thousands of members. Joining the team at such a crucial time… — Jocelyn Blackwell, Founder of Dunnett Shaw and Raising Standards in Pensions Administration
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