One of the great benefits of joining a workplace pension scheme is you'll usually start to receive employer pension contributions, to help you build your pension savings.
Contribution information
Your employer will contribute to your pension if you are auto-enrolled into the pension scheme. Your employer’s contribution and the income tax relief 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 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.
Your pension contributions
For current contribution levels please ask your HR contact.
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.
Salary Sacrifice may not be suitable for everyone. Please contact your employer for more information.
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.
To understand more about your investment options, please read the 'Your company stakeholder pension scheme - An essential guide for employees' (SP03311), which you can download on the Documents page.
Further investment information is also available at aviva.co.uk/retirement/fund-centre/pension-funds/other-investment-options/.
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Manage your policies the easy way with MyAviva
- Access your pension through facial or thumbprint recognition or Alexa
- Check the latest value of your pension, update personal details and nominate a beneficiary
- Switch investment funds or transfer-in pension pots worth less than £30,000 that you have with other schemes
- Get discount on a wide range of other Aviva products such as car or home insurance.
You only need to register one pension plan to view any others you may have with Aviva.
State pension information
Could you afford to live on the state pension alone?
The full new State Pension is £230.25 per week, for the 2025/2026 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 will receive will depend on your National Insurance record, for more detail please visit gov.uk/new-state-pension.
When can you claim the state pension?
The government is in the process of increasing 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 won't have any income 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 their rules. 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. 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 sort of pension pot you might have when you reach retirement and what impact making changes to your pension contributions could have.
Shape my Future
Can help give you an idea whether your potential retirement income will fund the lifestyle you want.
The Mid-Life MOT app
The Mid-Life MOT app provides a free check-up of your wealth, work and wellbeing. Our Mid-Life MOT app is a small investment of your time, but it could make a big difference. Designed for people in the UK between 45 and 60.
Retirement Spending Calculator
Discover how much you might spend during your retirement compared to your current spending and what sort of income you'd need to cover your costs.
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
Contact your employer
Robert Ovens, Group payroll manager
01892 831372
robert.ovens@mwmack.co.uk
Guidance and Advice
This site does not provide financial advice.
MoneyHelper
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. You may be charged for this. MoneyHelper can help you find an adviser in your area.