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We want to ensure that you fully understand how our investment service is provided to you and the terms and conditions of the service. Please ensure that you review the documents below before you take out an investment with us. Thank you.

Key Facts about our Services and Costs

Terms of Business


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What is auto enrolment?

Automatic enrolment is a government initiative designed to encourage saving for retirement. It started in October 2012 and is being rolled out across the UK so that by 2018 all employers will have to provide a workplace pension which eligible staff will be automatically enrolled.

Employers will automatically enrol eligible workers or jobholders into a workplace pension who:

  • are 22 years old or over, but under the state pension age
  • are not already in a qualifying pension scheme
  • earn more than £10,000 a year (2015-16 tax year figures)
  • ordinarily work in the UK

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