soluti nA MODERN WORKPLACE PENSIONLow cost. Low risk. Fully flexible.

AAF 02/07 MASTERTRUST ASSUREDPENSION QUALITY MARK READYRETIREMENT QUALITY MARK

Contents3: It ticks all the boxes4: Quality assured5: Industry recognised6: Multi-purpose solution7: Highly recommended8: More HR flexibility9: Less business risk10: Full implementation support11: Full member support12: Find out more

“LOOK TO THE FUTURE. WITH STATE PENSION AGES INCREASING, FLEXIBLE PENSIONS WILL BE AN INCREASINGLY IMPORTANT SOURCE OF INCOME FOR EMPLOYEES.”

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CHARLES COTTON, PERFORMANCE AND REWARD SPECIALISTCHARTERED INSTITUTE OF PERSONNEL & DEVELOPMENT

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The National Pension Trust (NPT) is the complete package. A modern, ‘ready to use’ workplace pension, that can be branded as your own. It has everything you need in a robust yet flexible solution:

• Full flexibility for your member benefits• No governance burden for you • No ongoing cost for you• Responsible investments - handpicked funds

and readymade strategies• Clear member communications, reducing

your involvement.

National Pension Trust;

A multi-employer, fully flexible defined contributions pension scheme. Designed to improve member outcomes, each employer has its own individual arrangement within the mastertrust. The trust is managed by a single board of trustees which results in lower operating costs and greater ease and simplicity than a single employer scheme.

It ticks all the boxes

“THE NPT IS MANAGED BY PROFESSIONAL TRUSTEES ON BEHALF OF MEMBERS. UNLIKE OTHER SCHEMES THAT RELY ON A SINGLE PROVIDER, THE TRUSTEES SOURCE SERVICES FROM EXPERTS IN EACH FIELD OF PENSIONS, INCLUDING XAFINITY, EQUINITI, EVERSHEDS, ORIGEN, LONDON & COLONIAL, PINSENT MASONS AND RSM. AS A RESULT, NPT’S TRACK RECORD IS SECOND TO NONE.”

Quality assured

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The National Pension Trust is one of only three mastertrusts in the UK to have been approved by the Regulator and hold both the Pension and Retirement Quality Mark accreditations.

The NPT is a bullet-proof way for you to:• Provide your members with all the pension

choices and freedoms enshrined in the Pension Schemes Act 2015

• Reduce your onerous compliance and governance duties, and their associated costs

• Manage your ageing workforce.

“FULLY TRIED AND TESTED, THE NPT WAS THE UK’S FIRST FLEXIBLE MASTERTRUST, LAUNCHED IN 2009”

AAF 02/07 Mastertrust AssuredIndependently assessed and recognised by The Pensions Regulator and the Institute of Chartered Accountants in England and Wales as meeting all the quality benchmarks.

Pension Quality Mark ReadyAwarded the highest standard of excellence by the Pensions and Lifetime Savings Association.

Retirement Quality MarkRecognises that members are provided with market leading support.

Industry recognised

“THE MASTERTRUST ASSURANCE FRAMEWORK WILL HELP EMPLOYERS TO FIND A WELL-RUN PENSION SCHEME.”

THE PENSIONS REGULATOR

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The NPT is suitable for most employer/employee needs and pension situations.

Employers can use it as:• A complete home for all active and deferred

members • For deferred members only• As a destination for members at retirement,

regardless of original scheme type.

Multi-purpose solution

THE PERFECT

FIT

“THE NPT IS ALREADY THE MASTERTRUST OF CHOICE FOR MANY LARGE EMPLOYERS.”

ASK US FOR CLIENT REFERENCES

Highly recommendedEstablished in 2009, the NPT has a proven track record of supporting employers and employees to plan for the future. It has enabled members to access benefits when they want, how they want, longer than anyone else.

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“RESEARCH SHOWS MOST EMPLOYEES WANT ACCESS TO A DECENT COMPANY PENSION. WHEN CHOOSING YOUR SOLUTION YOU’LL WANT IT TO BE GOOD VALUE FOR YOU AND YOUR STAFF.”

More HR flexibilityThe NPT’s flexible benefits can be a differentiating factor in recruiting and retaining staff and will increase your standing as an employer.

Flexible pensions are changing the employment landscape. There is mounting pressure on employers to give new recruits and existing pension scheme members access to the latest pensions freedom and choice.

The increase in State Pension ages also means that many older employees will need to keep working for longer, or reduce their hours; or take on less demanding roles as they age. The NPT will give you greater flexibility to cope with all these changes.

Flexible pensions, means flexible working.

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THE NPT ENABLES YOU TO MEET EMPLOYEE DEMANDS AS WELL AS GOVERNANCE EXPECTATIONS.

THE NPT HELPS YOUR HR TEAM RECRUIT AND RETAIN STAFF.

THE NPT HELPS YOU BALANCE AN AGEING WORKFORCE AND ADOPT MORE FLEXIBLE WORKING PRACTICES.

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Because the NPT is run by Professional Trustees and supported by other pensions and investment experts, you are sheltered from governance risks.

The NPT’s economies of scale and competitive pricing structure, protect you from the higher compliance and governance costs associated with pensions flexibility.

The NPT is a pure mastertrust - not a bundle of other regulated products like some insured schemes - so advice is not required. Plus, the NPT complies fully with all legal and regulatory requirements for its member communications.

Cost Protection

Advice Protection

Less business risk

LOW COSTS FOR YOUR MEMBERS AND NO ONGOING RUNNING COSTS FOR YOU.

YOU HAVE THE FULL PROTECTION OF TRUST LAW.

IF YOU STOP CONTRIBUTING TO THE NPT FOR ANY REASON IN THE FUTURE, YOUR EMPLOYEES’ SAVINGS WILL CONTINUE TO BE LOOKED AFTER AT NO COST TO YOU.

YOUR MEMBERS ARE ALWAYS PROPERLY AND FULLY INFORMED - SO THEY CANNOT ‘BLOW THEIR PENSION POT’ AND THEN TRY TO BLAME YOU.

Full member supportThe NPT takes the complexity out of pensions for your employees. It removes the cost and risk from you.

Investment supportThe NPT Trustees actively manage investments to:• Minimise volatility• Deliver good long term performance• Ensure investments remain fit for purpose.

Retirement flexibilityThe NPT provides access to any combination of:• Cash lump sums• Flexi access drawdown• Annuity purchase.

The NPT helps your employees to understand: • The options available• The impact on income tax and state benefits• Why benefit timing and shape are important.

“ONLINE ACCESS 24/7, INTERACTIVE MODELLERS, A UK BASED HELPLINE AND WEB CHAT FACILITIES HELP MEMBERS STAY ON TRACK.”

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When choosing the NPT for your organisation, our dedicated team of experts will ensure your NPT reflects your preferences, brand and chosen cost structure.

Full implementation support

SCOPEWE ACCEPT YOUR

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ONGOINGWE PROVIDE FULL,

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YOU WITH REGULAR

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5 EASY STEPSTO SETTING UP AND RUNNING YOUR NPT

We listen. We guide. We inform.

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Find out more

Xafinity Consulting Limited. Registered Office: Phoenix House, 1 Station Hill, Reading, RG1 1NB. Registered in England and Wales under Company No. 2459442. Xafinity Consulting Limited is authorised and regulated by the Financial Conduct Authority. A member of The Society of Pension Professionals.

669XC(a) (08/17)

“WE AIM TO DELIVER A HIGHLY RESPONSIVE SERVICE AND A SCHEME THAT RUNS LIKE CLOCKWORK.”

Visitwww.nationalpensiontrust.com

Phone0845 873 6138

Emailnpt@xafinity.com

WriteNPT Enquiry Team Xafinity Group 11-13 Crosswall London EC3N 2JY