How to log in for the first time

Shortly after being enrolled into our workplace pension by your employer, we'll send you an ‘account creation’ communication – either by email or via PDF from your employer in case we don’t have your email address. This communication explains how you can log in to our member website as well as your Contract ID. You'll need this ID handy when you contact us.

To activate your account, please follow the steps below

1) Copy or type the following URL into your browser and hit enter www.nowgatewayx.com/activate

2) Enter your Contract ID number and date of birth

3) Create a password to use on your account

Once you've set up your account, you can manage your pension savings at anytime via this link www.nowgatewayx.com. Just enter your email address and chosen password.

What can you do with your account?

Your online account lets you easily manage key features of your pensions savings, such as:

1) Update your contact details, including your email address and phone number. Please consider giving us a personal email address as part of your contact details. This will help us keep you up to date about your pension savings even if you change jobs. If you do give us a work email address, remember to update it if you change jobs. Please also make sure your employer has your new address if you move home

2) Track your pension savings.Your fund value summary shows the value of your pension savings. This is the total amount you and your employer have paid in, plus any change in the value of your investments, and less any charges. It also shows any additional voluntary contributions you’ve paid and any other pensions you’ve transferred in. Your fund value is updated each week.

3) Pay in regular additional voluntary contributions.If you want to pay more into your pension savings, you can either make a regular contribution from your salary or pay a one-off lump sum. To make a regular contribution, click on the button ‘Make an additional contribution every time I get paid’ and select a percentage from 1% to 100%. The system will notify your employer and they will deduct this from your salary each pay date. Speak to your employer or payroll department if you want to pay a one-off lump sum.

4) Check email communications we’ve sent you about your pension. You can easily keep track of our communications with you by looking in the Auto Enrolment History section. This will have emails such as your enrolment notice and your account creation details.

5) Opt out within the opt-out period and get a refund of contributions. When you’re first enrolled into the Scheme you have one month from the date we write to you to opt out. This is called your opt-out period. You also have a month to opt out every time you’re re-enrolled (the law requires your employer to do this every three years from when the Scheme was first set up.).

During your opt-out period your member account will show how many days you have left to opt out.

When you’re first enrolled into the Scheme, if you opt out within the opt-out period, your employer will refund your contributions through the payroll and you’ll be treated as if you’d never been a member of the Scheme.

If you miss the opt-out deadline, by law your contributions can’t be refunded. They’ll stay invested in the Scheme until you retire or transfer them out to another pension provider.

The opt-out period is set by the government and enforced by The Pensions Regulator.

6) Stop contributions to your workplace pension outside the opt out period. We expect most people will welcome the chance to save for retirement in the Scheme, but you can choose to stop making contributions (cease active membership) at any time. However, this will mean that your employer will stop contributing to your pension as well. Just click on the ‘Opt out’ button > Leave.

You’ll need to read all the information about stopping contributions and tick the box to confirm that you understand what it means > Confirm opt out > Y.

Once your employer has been notified that you’re no longer paying into the Scheme, they will stop paying all contributions to your pension savings.

The contributions you and your employer paid up to the date you stop contributing will stay invested in the Scheme until you retire or transfer them out to another pension provider. However, you can restart your contributions at any time as long as you still work for your employer.

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