Welcome to the Affinity Water Pension Plan

Find information about your pension and investing for your future.

Making the most of online saving with Aviva

Affinity Water has chosen Aviva to help you make the most of your savings.

The Affinity Water Pension Plan has been designed to enable you to build up pension savings that can be used when you retire. It gives you a tax-efficient way to save for your retirement.

It's important to remember that the money invested in your pension is invested in funds. This means your pension savings have the potential to grow over time. However, it also means the value of your pension savings could go down as well as up and may be worth less than the amount paid in.

Welcome to your pension

On joining your company pension scheme and registering for your online account, you can:

 

  • View your transactions and balances all in one convenient place
  • Monitor fund performance, research and change your investments
  • Use interactive tools for help with pension savings and retirement planning
  • Nominate and update your beneficiaries

 

 

Already a member?

You can manage your pension savings online, with tools to help you plan for the future.

You can register here for your account.

To register you will need your Account number. Your number and pension details will be included in the welcome letter from Aviva. 

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MyAviva– the easy way to connect to your pension

We all want a brighter future. That’s why it’s important to check the money in your pension regularly, to make sure you’re on track for achieving your future plans. With MyAviva you can access your pension as easily as checking an online bank account.

Whether on the web or via the app, MyAviva can help map the path to a brighter future.

Download the MyAviva app, available through the App Store or through Google Play. 

Or if you want to access MyAviva via a laptop or desktop computer, click here. 

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What happens next?

If you’re not yet a member of the workplace pension scheme, you’ll fall into one of three categories depending on your age and how much you earn. Your employer will provide more information about the category that applies to you.

You'll be automatically enrolled into the pension scheme Step 1 of 0

This means pension contributions will automatically be taken from your salary and you'll also start to receive employer pension contributions.

You can opt in Step 2 of 0

You can choose to opt in; you'll start to pay pension contributions and receive contributions from your employer.

You can join Step 3 of 3

You can choose to join; you'll pay in pension contributions from your salary and start saving towards your retirement, but you won't necessarily receive employer pension contributions.

Joining information

The government is focused on encouraging people to save more for their retirement, so if you:

  • are aged 22 to state pension age
  • are a permanent resident in the UK, and
  • earn more than £10,000* a year

Affinity Water has to enrol you into a pension scheme that meets the government’s requirements (unless you’re already a member). This is known as auto-enrolment.

We will give you full details about the Affinity Water pension scheme and tell you how much they will contribute to your pension. The government will also boost any contribution you make.

If you're younger than 22, older than state pension age or earn less than £10,000* a year, you may still be able to join the scheme. Should you be earning under the national minimum wage, you will not be enrolled into the salary sacrifice scheme, and will be enrolled into the non-salary sacrifice scheme. You can obtain further information by viewing the documents available in the Documents page.

*£10,000 is the figure for the 2026/2027 tax year.

 

Please read the scheme documents available on the documents page to learn more about where your money will be invested.

What's in it for you?

For a start, auto-enrolment makes it easier for you to invest for your retirement.

Rather than you having to take steps to join a pension, most employees will be signed up as a matter of course. But perhaps the biggest benefit is that if you’re automatically enrolled, your employer will contribute to your pension as well as you. Please contact your employer to discuss voluntary joining.

You could also benefit from tax-relief on your personal pension contributions, subject to limits. More information on how tax-relief is given can be found here: moneyhelper.org.uk/en/pensions-and-retirement/tax-and-pensions/tax-relief-and-your-pension

And if your employer runs a salary exchange arrangement you’ll get even more, in the form of National Insurance savings. Contact your employer for more information.

Please note that tax rules may change, and your tax treatment will depend on your personal circumstances.

Staying in or opting out - you're in control
If you're auto-enrolled, you can opt out if you want to.  If you do so within a month, any contributions already paid will be refunded. If you opt out later, this money will stay in your pension. If you opt out, you will miss out on employer contributions meaning your pension savings will be smaller, however you may be able to change your mind and opt back in. 

If you stay opted out, your employer will normally put you back into the pension in approximately three years. But you can again choose whether to opt out.  Remember that the sooner you join the pension, the better your chance of achieving a more comfortable retirement. 

Pension and investment questions?

Aviva can answer them

Pension & Investment Consultation

If you’re over 40 and want to better understand your pension and investments, the experts at Aviva are on hand to help.

As you have a workplace pension with Aviva, you can book in a 20-minute consultation with the Customer Wealth Engagement Team. 

The consultation is free and gives you the opportunity to discuss your pension and investment plans with a specialist. It can help you consider:

·        Are your investments working hard enough?

·        Do your fund choices reflect your ethical views?

·        Are you in the right funds for your attitude to risk?

·        Should you combine your pensions?

You can book your free consultation by selecting a date that suits you. A member of the team will then call you at the time of your appointment.

Book a consultation

Retirement Preparation Review

If you’re over 50 and thinking about your retirement options, the experts at Aviva are here to guide you.

As you have a workplace pension with Aviva, you can book in a 20-minute Retirement Preparation Review with the Customer Wealth Engagement Team. 

The review is free and gives you the opportunity to discuss your retirement plans with a specialist. It can help you consider:

·        Are you saving enough for retirement?

·        Do your funds align with your attitude to risk and ethical beliefs?

·        How can you better prepare for retirement?

·        Should you combine your pensions?

You can book your free review by selecting a date that suits you. A member of the team will then call you at the time of your appointment.

Book a review

Contact us

Got a question? We are here to help

Calls to and from Aviva may be monitored and/or recorded.

Contact Aviva

Phone: 0345 604 9915

Email: mymoney@aviva.com

Contact your employer

Email: pensionsadmin@affinitywater.co.uk  

Guidance and Advice

This site does not provide financial advice.

MoneyHelper

If you want more help thinking about pensions and investments, a good place to start is MoneyHelper, the government-backed free guidance service. The MoneyHelper service won't tell you what you should do, but they'll provide you with information to help you understand your options.

Learn more "Read more about MoneyHelper"

Contact an adviser

For financial advice please contact your financial adviser. If you don't have an adviser, MoneyHelper can help you find one in your area. An adviser may charge for their services.

Learn more "Read more about Contact an adviser"

Aviva Financial Advice

If you'd like to get advice about your pension or investment needs, Aviva Financial Advice might be for you. Call 0800 092 2585 or if you're short on time you can book a call back with one of the team.

Learn more "Read more about Aviva Financial Advice"