Your employer will contribute to your pension if you are auto enrolled. Your employer’s contribution and the income tax-relief (where applicable) on your own contribution could make your money go a lot further.
And the sooner you start paying into your pension, the more comfortable your life could be when you stop working.
You can opt out but if you do you will lose out on your employer’s contribution and income tax-relief (where applicable) on any personal contributions you make meaning you may have less money for your retirement. Your employer will have to re-enrol you every three years, as long as you still meet the eligibility criteria, however you will still have the option to opt out.
Contribution information
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.
Your pension contributions
| Your contribution (% of pensionable salary) | Employer contribution (% of pensionable salary) | Total contribution |
| 3% | 6% | 9% |
| 4% | 8% | 12% |
| 5% | 10% | 15% |
| 6% | 12% | 18% |
| 6+% | 12% | 18+% |
Payments into your pension
Paying into your pension through salary sacrifice
As part of the company pension scheme you may be able to participate in salary sacrifice. It is an arrangement between you and your employer.
Participating in salary sacrifice means that you agree to give up part of your salary and in return your employer pays an equivalent amount into your pension pot, in addition to any contribution that they already make. This means that you may pay less tax and National Insurance.
Salary sacrifice may not be suitable for everyone. Please contact your employer for more information. Tax benefits are subject to change and their value depends on your individual circumstances.
Investments
The money you have invested into your pension doesn't just sit there waiting for you to retire. Aviva pools your money with that of other investors and invests it with the aim of growing the size of your pension. Pooled funds are a way of putting sums of money from many people into a large fund spread across many investments. Funds are managed by investment professionals. Investing this way can be easier and less risky than buying shares directly and there are lots of funds to choose from. Please bear in mind that the value of your pension savings can go down as well as up and it may be worth less than the amount paid in.
When you become a member
Contributions will be invested automatically in the MyFuture Focus. More details about this programme can be found within your pension documents.
The MyFuture Focus has been carefully chosen to be appropriate for the majority of employees but it may not be suitable for your individual needs. We recommend that you review your investment funds and contributions frequently.
If you have any doubts regarding your investments, you should contact a financial adviser for advice. If you don't have a financial adviser you can find one at MoneyHelper*. You may be charged for this advice.
After you become a member
Once you have made your first contribution into your pension you can select different investment funds.
When choosing funds, you need to consider a number of factors, including what level of investment risk you are prepared to take, the income you are likely to need in retirement, the charges applicable and the age you want to retire.
The level of annual management charge (AMC) will depend on which fund or funds you are invested in. It is taken from each fund over the lifetime of your pension.
Remember, a pension is a long-term investment and usually the longer you save for, the better. For more information, please refer to the documents page.
Login
Go online and you can instantly access your pension, you can:
- View your transactions and balance all in one convenient place.
- Find out more about how your pension is invested.
- See what your pension could be worth in the future with our interactive tools.
And if you have any other investment products with us:
- Save in a tax-efficient way through Individual Savings Accounts (ISAs) or use the Investment Account as an additional way to invest.
- Transfer ISAs, funds and other investments held elsewhere.
State pension information
Could you afford to live on the State Pension alone?
The full new State Pension is £241.30 per week, for the 2026/2027 tax year. You will usually need at least 10 qualifying years on your National Insurance (NI) record to get any State Pension. To receive the maximum, the new State Pension requires a 35-year NI record. The amount you receive will depend on your National Insurance record. For more details please visit gov.uk/new-state-pension
When can you claim the State Pension?
The government is in the process of reviewing the age at which you can claim the State Pension. If you retire early and are only planning to rely on the State Pension, you need to think how you'll be able to fund your lifestyle from when you retire until you reach state pension age. To check your State Pension age, please visit gov.uk/state-pension-age
When you come to retire the government may have changed its rules on eligibility and age. For more information visit gov.uk
Will you get any other money from the government?
You might also be eligible for other benefits, such as Pension Credit after you reach State Pension age. This is an income-related benefit which could top up the amount you receive each week. There’s more information about this on the gov.uk/pension-credit
Tools
To help you with your retirement planning, we provide a range of planning tools so you can think about the kind of income that your pension savings could provide for you. You can look at the amount of pension savings you might have when you reach retirement and what impact making changes to your pension contributions could have.
You can also use the tools and guides available in the documents page.
Shape my Future
Can help give you an idea whether your potential retirement income will fund the lifestyle you want.
Pension calculator
Learn more about the future of your pension plans and how long your money might last in retirement.
Contact us
Got a question? We are here to help
Calls to and from Aviva may be monitored and/or recorded.
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.
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.
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.