Welcome to the G4S Personal Pension Plan
Making the most of online saving with Aviva
G4S has chosen Aviva to help you make the most of your savings.
The Personal 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.
Want to know more about your workplace pension?
Register for an online seminar today.
To view dates and times, register for a session and find out more, simply visit the link below.
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
MyWorkplace – 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 MyWorkplace you can access your pension as easily as checking an online bank account.
Whether on the web or via the app, MyWorkplace can help map the path to a brighter future.
Download the MyWorkplace app, available through the App Store or through Google Play.
Or if you want to access MyWorkplace via a laptop or desktop computer, click here. If you already have a MyAviva account, you can log in to MyWorkplace using your MyAviva username and password.
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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
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
You can choose to opt in; you'll start to pay pension contributions and receive contributions from your employer.
You can join
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 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
G4S 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 G4S pension scheme and tell you how much you and G4S 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 2024/2025 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.
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Guidance and Advice
This site does not provide financial advice.