Welcome to the Marshall Motor Holdings Defined Contribution Pension Scheme.

Welcome to your new Aviva Workplace Pension.

This video is all about your new pension plan and your journey to Retirement.

So, from the moment you start your retirement journey with us, here’s some of the things you can expect…

When you start your journey you’ll need some support. You’ll soon receive your pension guide where you can find out more about your Aviva workplace pension scheme.

Keep an eye out for your welcome pack, explaining how you can check your pension and access the support you need.

It can be hard to see if you’re on the right road towards the retirement you want, so we’ll give you access to useful videos, online tools and easy-to-read information –, so, no matter how far you are from your retirement, we can help prepare.

Don’t worry about losing your way. We’ll be in touch with reminders and support throughout your journey.

So, you’ll get lots of help. But you’re still in the driving seat, because we’ve made it easy for you to take control of your pension yourself.

Once your new pension is up and running, you’ll be able to register for our safe, secure, online account. Here you can view your pension’s value quickly and easily.

You’ll also be able to…

Make changes to your personal details…

Set your preferences so you get your pension information in a way that’s right for you…

Check the amount you’re paying in, direct how your money is being invested and make one off payments…

Start the process to transfer other pensions to your Aviva pension, if that’s the right decision for you…

And, access our pension planning tools to help and support you along the way…

The money in your pension is invested to help it grow over the long term, and it pays to keep an eye on the performance of your investments. It's important to note that the value of your investments can go down as well as up. And, you could get back less than has been paid in….

If you would like any more information in the meantime visit www.aviva.co.uk/retirement.

It’s great to be starting out on our journey together.

We’ll be in touch again soon, a little further down the road.

Pension planning? Isn’t that something you can worry about later?

The fact is that tomorrow comes around sooner than you think, so by saving more now it could lead to you having a better chance of you enjoying the future you want.

So, where do I begin?

First, find out what you already have, and what you could have when you retire.

There’s the State Pension, of course…

This is the current weekly state pension for a single person, the current full new State Pension is £230.25 per week for the 2025/2026 tax year. You need to have made 35 years National Insurance contributions to get this. Wouldn’t want to live on that? Maybe not. So, what other money would you have to live on?

Think about any money you’re saving in a bank or building society account, or an ISA. Factor that in.

Next, if you have a workplace pension, check how much is being paid in each month.

The benefit from a workplace pension is that you will normally be eligible for tax relief from the government on your personal contributions. So, if you're a basic rate tax payer, every £100 which goes into your pension will cost you £80 from your take home pay. Don't forget that your employer will probably also be contributing themselves, so both tax relief and your employer's contributions increase your pension without costing you anything. 

You need to remember that your pension money is invested to try and help it grow – and, as with any investment, the value can go down as well as up and you may get back less than you put in.

If you want to join or make changes to your workplace pension just get in touch with your employer.

So in summary, find out what you’ve already got; plan how much you might need - and then take action.

Remember, if you really want to make a difference to your future, there’s no time like the present to act.

Next, think about what you’re going to need when you’ve finished working.

To help with retirement planning visit our website. You’ll find videos, calculators and online tools. Our Shape My Future tool can help you get an idea what your future could look like, and what you can do to make changes now.

Tax and state benefits shown are for the 2025/2026 tax year. They depend on your individual circumstances and may change. This presentation should not be regarded as giving any form of financial or investment advice. You should not make your decision on the basis of this recording alone. If you have any doubts whether the product is suitable for your needs, you should contact a financial adviser for advice.

When you get around to thinking about your finances, what sort of things spring to mind?

A mortgage or car loan? Looking after the family? Paying the bills? Probably not pensions, though.

But the fact is that tomorrow comes around sooner than most of us think…

So where do you begin?

First, find out what you already have, and what you could have when you retire. Your annual pension statement can help here.

There’s the State Pension, of course……

This is the current full State Pension for a single person for the 2025/2026 tax year is full new State Pension is £230.25 per week. You need to have made 35 years National Insurance contributions to get this. Wouldn’t want to live on that? Maybe not. So, what other money would you have to live on?

Think about any money you’re saving in a bank or ISA. Factor that in.

Next, if you have a workplace pension, check how much is being paid in each month.

The benefits from a workplace pension is that you will normally be eligible for tax relief from the government on your personal contributions. So, if you're a basic rate tax payer, every £100 which goes into your pension will cost you £80 from your post-tax pay. Don't forget that your employer will probably also be contributing themselves. Both tax relief and your employer's contributions increase your pension.

Next, think about what you’re going to need when you’ve finished working. Think about whether you can afford to save some extra money from your salary. Putting aside just a little now could still make a big difference later.

You need to remember that your pension money is invested to try and help it grow – and, as with any investment, the value can go down as well as up and you may get back less than you put in.

That’s why it’s important to keep a close eye on the value of your pension and other investments.

If you want to join or make changes to your workplace pension just get in touch with your employer.

So in summary, find out what you’ve already got; plan how much you might need - and then take action

And remember, however busy you may be right now it’s worth taking time out to think about your future while there’s still time to make a difference to it.

To help with retirement planning visit our website. You'll find videos, calculators and online tools. Our Shape My Future tool can help you get an idea what your future could look like, and what you can do to make changes now.

Tax and state benefits shown are for the 2025/2026 tax year. They depend on your individual circumstances and may change. This presentation should not be regarded as giving any form of financial or investment advice. You should not make your decision on the basis of this recording alone. If you have any doubts whether the product is suitable for your needs, you should contact a financial adviser for advice. 

You’re getting closer to your selected retirement age which means more freedom to do the things you enjoy.

To make the most of this new stage in your life you need to give some thought to your options, needs and goals. So, where do you begin?

First, find out what you already have, and what you could have when you retire. There’s the state pension, of course.

This is the current weekly state pension for a single person. You need to have 35 years National Insurance Contributions to get this much, which is the full amount. Wouldn’t want to live on that? Maybe not.

So, what other money could you have to live on?

Think about any money you’re saving in a bank or building society account, or an ISA. Factor that in.

Chances are, your workplace pension pot will also play a big part in planning the kind of future you’d want for yourself.

There are a number of ways to take your money, such as: taking all the money as cash; taking it as a guaranteed regular income, or perhaps taking it as a more flexible income as and when you need to.

Before you make a decision on how to take money from your pension pot, you need to get a clear idea of how much you have in there, and how it’s invested.

If you want more help thinking about pensions and retirement, a good place to begin is MoneyHelper, the government-backed free guidance service. You can access MoneyHelper online at http://www.moneyhelper.org.uk or by phone on 0800 011 3797.

If you are over 50 you can use the Pension Wise service, from MoneyHelper, online or by phone on 0800 138 3944. They offer a free face to face or telephone guidance session.

They won’t tell you what you should do, but they’ll provide you with information to help you understand your options.

For more tailored advice, you should speak to a financial adviser. Bear in mind they may charge a fee for this advice. If you don’t have an adviser, you can find an up-to-date list of regulated advisers at MoneyHelper https://www.moneyhelper.org.uk/en/pensionsand-retirement/taking-your-pension/find-a-retirement-adviser

Tax and state benefits shown are for the 2025/2026 tax year. They depend on your individual circumstances and may change in the future. This presentation should not be regarded as giving any form of financial or investment advice. You should not base your decision on the basis of this recording alone. The value of your pension can go down as well as up and you could get back less than the amount paid in.