the total workplace engagement solutionlibrary.adviserzone.com/gen1717b.pdf · 2017. 7. 6. ·...

Supporting youThe total workplace engagement solution

02 Supporting you

Working with you on employee engagementSome of the most important decisions employees will ever make are ones they’re least likely to understand. If they don’t understand, they can’t make informed decisions. And the key to understanding is engagement.

You’ve invested in providing your employees with a high-quality pension. Our targeted, enhanced communications work hard to enrich their understanding of the benefits and engage them in the decision-making process. We communicate facts and explain options. Our aim is to get people interested and give them a sense of direction.

Your communications optionsWe have a range of communication options that you can use to help achieve your pension communications goals.

Ready to go campaignsOur ready to go campaign packages are tried and tested employee communications. They give you the options and tools to create campaigns that are right for you and your employees. See page 3.

Bespoke campaignsIf you’ve got a specific message for your employees or just want to personalise a campaign with your company images then we can do that for you. See page 29.

Face to FacePowerful, persuasive communication is always best delivered in a face to face setting. It means we can tailor a presentation to suit your needs and we can answer employee questions there and then. We can also demonstrate to your employees how to log on to see their personal pension plan and show them how to use our interactive tools. See page 28.

Engagement, communication and empowerment

Auto‑ enrolment

Online servicing

Building awareness

Health Check

Use the tools

Consolidation

Supporting you 03

These tried and tested campaigns are designed to encourage employees to not only join their pension, but get the most out of it once they’ve joined your Plan.These campaign materials are available at no charge.

How to order1. The following pages show the campaigns available,

decide which campaign or series of campaigns meet your communication needs

2. Decide if you would like to include your company logo and a call to action that’s right for you

3. Complete your campaign order form online here (http://library.adviserzone.com/gen1850.pdf)

4. We’ll deliver your campaign materials to you within 5 working days.

Ready to go campaigns

Ready-to-go campaigns — Pages 04 to 27

http://library.adviserzone.com/gen1850.pdf

04 Supporting you

If you’re introducing a new workplace pension, or auto-enrolling your people into one, it’s important that you help them understand the value of the pension you’re offering.We have a selection of campaigns that can help raise awareness of the benefits of a workplace pension and encourage your employees to become a member.Page 5 Campaign 1 ‑ Building awarenessPage 7 Campaign 2 ‑ Countdown campaignPage 8 Campaign 3 ‑ Auto‑enrolment

Becoming a member

Countdown

YOUR CAMPAIGN

Auto‑enrolment

Building awareness

NEXT STEPS

Got a jobGot a pensionGot a futureYour new pension is on its way. Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll also get tax benefits from the Government. Sorted.

To find out more speak to your employer or visit standardlife.co.ukRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

Supporting you 05

Campaign 1

Building awareness

Got a jobGot a pensionGot a futureYour new pension is on its way. Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll also get tax benefits from the Government. Sorted.

To find out more speak to your employer or visit standardlife.co.ukRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

A short talk about your long-termfuture

To hear more about your pension, come along to a presentation:

If you’re introducing a new workplace pension scheme this campaign can help you raise awareness of its benefits.

A3 Posters CIAB1PO CIAB1PO_A

06 Supporting you

Got a jobGot a pensionGot a future

To find out more about your new pension speak to your employer or visit standardlife.co.uk

Got a jobGot a pensionGot a future

Your new pension is on its way. Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll also get tax benefits from the Government. Sorted.

It’s not just your payments

=+ +

When you join your workplace pension, you’re not the only one putting money into it.

Your employer will be contributing too – putting money straight into your pension. And that’s on top of your salary.

You’ll also get tax benefits from the Government.

Want a future to look forward to? Sorted.

To find out more about our new pension speak to your employer or visit standardlife.co.ukRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

CIAB1FR 0417 ©2017 Standard Life, images reproduced under licence

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.uk

Flyer CIAB1FR

Campaign 1 (Continued)

Building awareness

Screensaver CIAB1SS

Email copy for all employees GEN1656B

Email subject: Now’s the time to get your future sorted

Dear [Variable]

Your new pension is on its way. Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll also get tax benefits from the Government.

Did you know that millions of people in the UK aren’t saving enough to have the income they want in retirement? And that the pension you get from the Government will only just cover the basics that you need?

If you don’t join your workplace pension it could mean that you have to work for longer. But start saving now and you could have the money to afford the things you want when you retire.

To find out more call/visit/speak to TBC

The value of your plan can go up or down, and may be worth less than you paid in. You may want to speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.uk ©2015 Standard Life

http://www.standardlife.co.uk

Supporting you 07

Campaign 2

Countdown campaignIf you use a joining window this campaign will give your employees a three week countdown to the window closing – to make sure they don’t miss out.

Posters

Screensavers

GEN1658B

GEN1657B

Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll get tax benefits from the Government. Don’t miss out.

To find out more call/visit/speak to TBCRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. As with any investment, your capital is at risk.

3 weeks leftto join your pension

Employer

2 weeks leftto join yourpension

Employer



Last few daysto join your pension

Employer



3 weeks leftto join your pensionDon’t miss out on pension payments from your employer and tax benefits from the Government. To find out more call/visit/speak to TBC Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. As with any investment, your capital is at risk.

2 weeks leftto join your pensionDon’t miss out on pension payments from your employer and tax benefits from the Government. To find out more call/visit/speak to TBC Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. As with any investment, your capital is at risk.

Last few daysto join your pension

Don’t miss out on pension payments from your employer and tax benefits from the Government. To find out more call/visit/speak to TBC Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. As with any investment, your capital is at risk.

08 Supporting you

Campaign 3

Auto-enrolmentAuto-enrolment may be a big change for some of your employees. This campaign can help them understand what it means for them and what the benefits are.

Auto‑enrolmentI’m not missing out

Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary. Plus, you’ll also get tax benefits from the Government.

To find out more about automatically joining your pension call/visit/speak to TBCRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

Employer

Poster GEN1660B

Email copy for people who chose to opt out GEN1662B

Email subject: Don’t miss out

Dear [variable]

You’ve decided not to become a member of your workplace pension.

This means you’re missing out on tax benefits from the Government and extra money from your employer on top of your salary.

But if you change your mind you can still choose to join your workplace pension and start saving towards a future to look forward to.

Find out more about your workplace pension and the options available call/visit/speak to TBC




Supporting you 09

To find out more about automatically joining your pension call/visit/speak to TBC

Auto‑enrolmentI’m not missing out

Email copy for existing pension members GEN1662B

Email subject: Are you making the most of your workplace pension?

Dear [Variable]

You’ll probably have heard that auto-enrolment is on its way. As you’re already a member of your workplace pension plan, it won’t directly affect you.

You’re already benefiting from pension payments from your employer, on top of your salary and tax benefits from the Government.

But are you making the most of your workplace pension?

Did you know that millions of people in the UK aren’t saving enough to have the income they want in retirement? And that the pension you get from the Government will only just cover the basics that you need?

Below is a list of simple steps that you can take now to help you get a future to look forward to.

Simple steps for a future to look forward to

Use the tools Your pension website has lots of tools to help you visualise your life in retirement. Work out how much your pension is worth and see the impact that making small changes can have.

Boost your pension Did you know that increasing your pension payments by even a small amount could make a real difference to your future?

Know your options Payments to your pension are invested to give your money more opportunity to grow.

All investments have risks, so where your money is invested can have a big impact on how much you get back – and, of course, the lifestyle you enjoy when you retire.

Understanding where your money is invested and the options available to you is the first step to understanding if it’s in the right place for you.

Auto-enrolment also means that you could have access to a wider range of options, including the default investment solution selected for your employer workplace pension.

Give yourself a future to look forward to now call/visit/speak to TBC



Screensaver GEN1661B


10 Supporting you


Auto-enrolment

Handout with payslip GEN1831B

A5 flyer handout or desk drop GEN198B

Email copy for all people This can be sent anytime before the opt-out period ends GEN1662B

Email subject: If you opt-out, you’ll miss out

Dear [variable]

[Month 2014]

Being in a workplace pension is the only way of saving for retirement where your employer will give you extra money on top of your salary.

Plus, you’ll also get tax benefits from the Government.

A future to look forward to

Did you know that millions of people in the UK aren’t saving enough to have the income they want in retirement?

Opting out of your workplace pension could mean that you have to work for longer.

But if you start saving now it could go a long way to helping you afford all the things you want when you retire. Remember, the pension you get from the Government will only just cover the basics that you need.

For a helpful video on auto-enrolment, as well as handy tools to work out how much you might get at retirement call/visit/speak to TBC

The value of your plan can go up or down, and may be worth less than you paid in.

Laws and tax rules may change in the future. The information here is based on our understanding in [Month] 2014. Your personal circumstances also have an impact on tax treatment.


Employer

[Month 2014] Loaded with benefitsFrom this [Month], many of you will automatically join your workplace pension. There’s a lot to look forward to.

=+ +

Auto‑enrolment It’s not just your payments

For a helpful video on auto‑enrolment, as well as handy tools to work out how much you might get at retirement, call/visit/speak to TBCThe value of your plan can go up or down, and may be worth less than you paid in. Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.Laws and tax rules may change in the future. The information here is based on our understanding in [Month] 2014. Your personal circumstances also have an impact on tax treatment.

When you automatically join your workplace pension, you’re not the only one paying into it. Your employer will be contributing too – putting money straight into your pension. And that’s on top of your salary. You’ll also get tax benefits from the Government. It’s the only way of saving for the future that gives you all of these benefits.

GEN1831B 0914 ©2014 Standard Life, images reproduced under licence


Pension auto-enrolmentWhat is it and will it affect you?


GEN1983B 0914 © 2014 Standard Life, images reproduced under licence

For more information or a helpful video on auto-enrolment, as well as handy tools to work out how much you might get at retirement, visit your pension website or speak to your employer. Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

C105301

Pension auto-enrolment 03

Being automatically enrolled - what do you need to do?If you’re being automatically enrolled you don’t need to do anything. Once you have been enrolled though you will have a few choices to make.

Decide how much to payYou’ll be expected to pay at least a minimum amount into your pension plan. But you need to think about whether paying just the minimum is going to get you the retirement that you want. Even paying just a little bit more now could make a real difference to your future.

Choose where you want your money to be investedYour money will automatically go into an investment option that your employer has chosen as it is considered appropriate choice for the majority of people in the pension plan.

If you’re happy that this is where your money is being invested then you don’t have to do anything else. But if you want a bit more control, you should take the time to understand the other options that may be available to you.

The value of your plan can go up or down, and may be worth less than you paid in. Laws and tax rules may change in the future. The information here is based on our understanding as at April 2014. Your personal circumstances also have an impact on tax treatment.

02 Pension auto-enrolment

So what’s auto-enrolment all about?

To encourage more people to save for retirement, the law has changed and all employers must provide a workplace pension that meets the Governments’ standards, contribute to it and automatically enrol eligible staff – this is called auto-enrolment.

Will it affect me?You may be automatically enrolled into your workplace pension scheme if;

¬ You do not already belong to the scheme

¬ You earn at least £192 a week,

¬ You are aged between 22 and state pension age

Do I have to join?Being a member of your workplace pension is the only way of saving for retirement where you’ll receive extra money on top of your salary. Plus, you’ll get tax benefits from the Government.

Membership is not compulsory and you’ll be given a month from the point that you’re joined to the plan to decide if you want to stay a member or opt out. You should think carefully about this because opting out means you’ll miss out on your contributions and tax benefits from the Government.

What if I don’t meet the conditions for automatic enrolment?Even if you’re not automatically enrolled you can still choose to join your workplace pension.

What if I’m already a member of our workplace pension?If you already belong to your workplace pension you won’t be affected by the new legislation. Now could be a good time though to think about whether you’re saving enough to get the lifestyle that you want when you stop working.

Your pension plan website has lots of tools and information to help you with this.


Supporting you 11

Employer

Simple steps for afuture to look forward to

Boost your pension

Use the tools

Know your options

Anyone can get a future to look forward to.All it takes are a few simple steps and you’ll be on your way.


Making the most of your pension

Once your people have joined your workplace pension it’s important that they continue to play an active role in getting the most out of it. We have a selection of campaigns that can help people understand what actions they can take to get the future they want.Page 12 Campaign 4 ‑ Simple steps for a future to look forward toPage 13 Campaign 5 ‑ Online servicingPage 15 Campaign 6 ‑ Use the toolsPage 16 Campaign 7 ‑ Health CheckPage 17 Campaign 8 ‑ Increasing paymentsPage 19 Campaign 9 ‑ Making a bonus paymentPage 20 Campaign 10 ‑ ConsolidationPage 22 Campaign 11 ‑ Taking control of your investmentsPage 24 Campaign 12 ‑ ScamSmartPage 25 Campaign 13 ‑ Get a head start (auto‑enrolment increases)

Online servicing

YOUR CAMPAIGN

Use the tools

Simple steps

NEXT STEPS Health Check

Increase payments

Make a bonus payment

Consolidation Investments ScamSmart Get a head start

12 Supporting you

Campaign 4

Simple steps for a future to look forward toThis campaign can help your employees understand what options they have to make more of their pension. It highlights three key things they can do with their pension to give themselves a better future.

Poster GEN1663

Employer

Simple steps for afuture to look forward to

Boost your pension

Use the tools

Know your options

Anyone can get a future to look forward to.All it takes are a few simple steps and you’ll be on your way.


Screensaver GEN1664

Email copy for all members GEN1665

Boost your pension

Use the tools

Know your options

Simple steps for a future to look forward toAnyone can get a future to look forward to. All it takes are a few simple steps and you’ll be on your way.


Email subject: Simple steps for a future to look forward to

Dear [Variable]

Anyone can get a future to look forward to. All it takes are a few simple steps and you’ll be on your way. Here’s a quick walk through.

Use the tools

Even though it might be far away, thinking about what kind of retirement you want and how much you need to save is the only way of making sure you’re going to get there.

Don’t leave it to chance

¬ Use the online tools to visualise your life in retirement – work out how much your pension is likely to be worth and see the impact that making changes can make

Boost your pension

Don’t worry if you don’t think you’re saving enough, there are plenty of ways that you can give your pension a boost.

Paying in as much as you can afford means you can feel confident that your savings are building up and you’re getting the most out of the extra money you get from your employer and tax benefits from the Government.

Increasing your pension payments by just 1% could make a real difference to your future.

Making one off payments when you can, for example when you get a bonus, can be a tax efficient way of giving your pension a boost.

Know your options

All investments have risk so knowing where your money is invested and the options available is the first step to understanding if it’s in the right place for you.

Go to the investment section of your company pension website to check out the options available to you and use the risk questionnaire to find out what kind of investor you are.

Give yourself a future to look forward to now. call/visit/speak to TBC

You may want to speak to a financial adviser if you’re unsure about anything to do with your workplace pension.





Supporting you 13


CIAB5SS 0217 ©2017 Standard Life, images reproduced under licence.

Benefitsof tracking your pension online

How you can track your pension online¬ Download the Standard Life app on your phone and tablet

so you can track your pension anywhere

¬ Go online to www.standardlife.co.uk

Managing your pension pot online means you will be able to see what money you have saved towards your retirement

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play is a trademark of Google Inc.

Campaign 5

Online servicing

Poster CIAB5PO

This campaign can be used to encourage employees to take the first step towards playing an active part in managing their pension.

Managing your pension pot online means you will be able to see what money you have saved towards your retirement


CIAB5PO 0217 ©2017 Standard Life, images reproduced under licence.

Employer

Benefitsof tracking your pension online

How you can track your pension online¬ Download the Standard Life app on your phone and tablet

so you can track your pension anywhere

¬ Go online to www.standardlife.co.uk

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Screensaver

CIAB5SS

14 Supporting you

Flyer CIAB5ZC


Online servicing

Email copy for all people CIAB5EM

Email subject: Ready to go campaigns

Dear [Variable]

Managing your Standard Life pension pot online means you’ll be able to see what money you have saved towards your retirement. This means you can plan better and make more informed decisions about your pension.

Download the Standard Life app on your phone and tablet so you can track your pension anywhere.

You’ll also be able to:

¬ check how much your plan is worth ¬ use the online tools to help you plan for retirement ¬ update your personal information ¬ nominate a beneficiary ¬ get a retirement illustration ¬ change your selected retirement date ¬ see where your pension is currently invested, and see how it’s performing ¬ view all your policy information including payments and statements ¬ switch funds (for some products) ¬ make a payment (for some products) ¬ make a withdrawal from your pension savings from age 55 (for some products).

How to track your pension online

1 Go online at www.standardlife.co.uk to register/login.

2. If you’ve forgotten your details, you can reset them online.

3. If you are having any difficulty, we’re available to help by calling 0345 60 60 098 (Mon-Fri 9am-5pm).


¬ Check how much your plan is worth ¬ Update your personal information ¬ Nominate a beneficiary ¬ Get a retirement illustration ¬ Change your selected retirement date ¬ See where your pension is currently invested, and see how it’s performing

¬ View all your pension plan information including payments and statements

¬ Switch funds (for some products) ¬ Make a payment (for some products) ¬ Make a withdrawal from your pension savings from age 55 (for some products)

How to review and manage your pension online

1. Go online at www.standardlife.co.uk to register/login.


3. If you are having any difficulty, we’re available to help by calling 0345 6060 098 (Mon-Fri 9am-5pm).

Download the Standard Life appon your phone and tablet so you can track your pension

Benefits of tracking your pension onlineManaging your pension pot online means you’ll be able to see what money you have saved towards your retirement.

This means you can plan better and make more informed decisions about your pension.

Go online and choose to go paperless

¬ It’s secure as only you can access your statement

¬ It’s convenient as we’ll email you when your statement is ready to view

¬ It’s environmentally friendly – less paper, less shredding, less recycling

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

¬ Check how much your plan is worth ¬ Update your personal information ¬ Nominate a beneficiary ¬ Get a retirement illustration ¬ Change your selected retirement date ¬ See where your pension is currently invested, and see how it’s performing ¬ View all your pension plan information including payments and statements ¬ Switch funds (for some products) ¬ Make a payment (for some products) ¬ Make a withdrawal from your pension savings from age 55 (for some products)

How to review and manage your pension online1. Go online at www.standardlife.co.uk to

register/login.




Benefits of tracking your pension onlineManaging your pension pot online means you’ll be able to see what money you have saved towards your retirement.This means you can plan better and make more informed decisions about your pension.






¬ Check how much your plan is worth ¬ Update your personal information ¬ Nominate a beneficiary ¬ Get a retirement illustration ¬ Change your selected retirement date ¬ See where your pension is currently invested, and see how it’s performing


¬ Switch funds (for some products) ¬ Make a payment (for some products) ¬ Make a withdrawal from your pension savings from age 55 (for some products)













¬ Check how much your plan is worth ¬ Update your personal information

¬ Nominate a beneficiary ¬ Get a retirement illustration

¬ Change your selected retirement date ¬ See where your pension is currently invested, and see how it’s performing


¬ Switch funds (for some products) ¬ Make a payment (for some products)

¬ Make a withdrawal from your pension savings from age 55 (for some products)




3. If you are having any difficulty, we’re available to help by

calling 0345 6060 098 (Mon-Fri 9am-5pm).

Download the Standard Life app

on your phone and tablet so you can

track your pension

Benefits of tracking your pension online

Managing your pension pot online means you’ll be able to see what money

you have saved towards your retirement.This means you can plan

better and make more informed decisions

about your pension.

Go online and choose to go paperless ¬ It’s secure as only you can access your statement

¬ It’s convenient as we’ll email you when your statement is

ready to view

¬ It’s environmentally friendly – less paper, less shredding,

less recycling

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service

mark of Apple Inc. Google Play is a trademark of Google Inc.

¬ Check how much your plan is worth ¬ Update your personal information ¬ Nominate a beneficiary ¬ Get a retirement illustration ¬ Change your selected retirement date ¬ See where your pension is currently invested,

and see how it’s performing ¬ View all your pension plan information including

payments and statements ¬ Switch funds (for some products) ¬ Make a payment (for some products) ¬ Make a withdrawal from your pension savings

from age 55 (for some products)













Your pension plan Managing your Standard Life pension online and on our app

If you have any questions about the online services, call our dedicated team on:

0345 60 60 098Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary.

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.ukCIAB5ZC 0317 ©2017 Standard Life, images reproduced under licence





CIAB5ZC 0317 ©2017 Standard Life, images reproduced under licence









CIAB5ZC 0317 ©2017 Standard Life, images reproduced under licence





Supporting you 15

Campaign 6

Use the tools This campaign promotes the valuable tools that can help your employees make decisions about how much to pay and where to invest – based on their own personal goals.

Your futureThe tools to get you what you want

Simple steps for a future to look forward toUse the online tools to help you get the most out of your workplace pension.


Poster GEN1674B

Email copy for all members GEN1676B

Employer

Simple steps for a future to look forward toUse the online tools to help you get a personalised view of your future.They’ll help you see exactly how much is being paid into your pension, what it might be worth and how much you’ll need to save to get the retirement you want. Plus, they’ll show you how making small changes now could make a real difference to your future.


Your future The tools to get you what you want


Email subject: Your future. The tools to get you what you want

Dear [Variable]

Your pension is a great way to save for the future and your retirement. But how do you know if it’s still going to get you the lifestyle you want?


¬ Use the online tools to help you get a personalised view. They’ll let you see: ¬ How much you might need to live on when you retire ¬ How much is being paid into your pension ¬ If you’re on track to meet your personal goals ¬ How much of a pension your current pot is likely to give you ¬ How making even a small change to your payments or where your money is invested could make a real difference ¬ Whether where your money is invested matches how you feel about investment risk

Use the online tools to give yourself a future to look forward to. Call/visit/speak to TBC

Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.



16 Supporting you

Campaign 7

Health CheckLet your employees find out how healthy their finances are with our quick interactive quiz.

Are you financially fit?

Standard Life Financial Health Check tool is a quick and easy way to assess your financial wellbeing and a great way to get tips on how you could improve your financial fitness.

Visit (insert URL)

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.Standard Life Assurance Limited is authorised by the Prudential Regulation

Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

CIAB7SS 0117 www.standardlife.co.uk © 2017 Standard Life, images reproduced under licence

Screensaver CIAB7SS

Poster CIAB7PO

Are you financially fit?

Employer

Standard Life Financial Health Check tool is a quick and easy way to assess your financial wellbeing and a great way to get tips on how you could improve your financial fitness.

Visit (insert URL)Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.Standard Life Assurance

Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

CIAB7PO 0117 www.standardlife.co.uk © 2017 Standard Life, images reproduced under licence

Email copy for all members CIAB7EM

How financially fit are you?

Answer just a few questions to get your personalised financial health check.

Take a few minutes to answer some simple questions to get your personalised report full of handy hints and tips.

The report will include: ¬ everyday money ¬ saving and investments ¬ retirement ¬ protection

Standard Life Financial Health Check tool is a quick and easy way to assess your financial wellbeing and a great way to get tips on how you could improve your financial fitness. This report isn’t classed as advice, but is a good way of finding smart ways to make your money work harder for you.

Click the link below to get your report now

“insert link”

Supporting you 17

Campaign 8

Increasing paymentsThis campaign encourages your employees to think about whether they are saving enough and consider increasing the payments they make.

Employer

Simple steps for a future to look forward toIs your pension sleeping? It can be tempting to think that paying in more is something to worry about in the future.But the fact is, if you’re not paying enough into your pension, you’re unlikely to get the future that you want. Even increasing your payments by a small amount can make a surprisingly big difference.

To find out more call/visit/speak to TBCRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.

Time to give it a wake up call?

Your pension

Poster GEN1677B


Is your pension sleeping? The sooner you build up your funds the more likely you’ll get the retirement you want. Can you afford to wait?


Your pension Time to give it a wake up call?

18 Supporting you


Increasing payments

Employer

Letting your pension sleep is unlikely to get you the retirement you want. It can be tempting to think that paying more in is something to worry about in the future.

But the fact is, the sooner you build up your funds the more likely you’ll get the future and lifestyle you want.

Your pensionTime to give it a wake up call?

A5 Flyer GEN2107B




Monthly amount Invested over Could give you

£50 5 years £3,404

£50 10 years £7,749

£100 5 years £6,809

£100 10 years £15,499

£150 5 years £10,213

£150 10 years £23,248Assumes money is invested with a growth rate of 5%

Small change, big difference As our examples show, finding ways to save can be easier than you might think. And over time, that money can really grow.

The longer you leave your money invested, the better – so there’s no time like the present to start saving more.

Remember the value of your investments can go up or down and may be worth less than you originally put in.


Coffee to go?

Giving up something as simple as 2 takeaway coffees a day that cost £1.95 each, could save you £1,423.50 each year.

Read all about it

For the cost of a daily paper and the odd magazine, you could save around £50.00 a month.


C105301

Email subject: Your Pension - time to give it a wake up call?

Dear [Variable]

Letting your pension sleep is unlikely to get you the retirement you want. It can be tempting to think that paying more in is something to worry about in the future. But the fact is, the sooner you build up your funds the more likely you’ll get the future and lifestyle you want.

Small changes can lead to big results

Even a small increase in payments now can make a surprisingly big difference.

The longer you put it off the more you might have to play catch up or make bigger sacrifices around the kind of life you lead once you stop working.

Paying in more now could give your retirement fund a better chance to grow over the years.

Help from the taxman and from your employer

Did you know, your pension is the only way of saving for the future where you get extra money paid in from the taxman and, your employer? It’s a great way to save for the future, but – even with these extra payments – what you get back depends on what you put in.

Wake up your payments today

It’s easy to make changes to the regular payments you make to your pension, just call/visit/speak to TBC

Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. All investments have risks, so where your money is invested can have a big impact on how much you get back.




Supporting you 19

Campaign 9

Making a bonus paymentThis campaign highlights the possible benefits to your employees of putting all or some of their bonus into their company pension.

Poster GEN1884B

Simple steps for a future to look forward toYou deserve your bonus. You also deserve to get it working harder for you. Did you know that by putting all or some of it into your pension you can enjoy some serious tax benefits? Give your pension a boost.


My bonusWish it worked as hard as me

Employer


I work hardSo should my bonus

Simple steps for a future to look forward toDid you know that by putting all or some of it into your pension you can enjoy some serious tax benefits? Give your pension a boost. To find out more call/visit/speak to TBCRemember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension. As with any investment, your capital is at risk.


Email subject: Simple steps for a future to look forward to

Dear [Variable]

Make more of your bonus

Did you know you can pay all, or some of your bonus into our pension and enjoy some serious tax savings?

Topping up your pension with a lump sum when you can afford it, could make a significant difference to your future. And like all pension payments, you save the tax that you would normally pay.

Remember that the value of tax relief depends on your circumstances. You may want to speak to a financial adviser if you’re not sure about making additional payments into your pension.

What to do next

It’s easy – just let us know how much you want to pay in, before you get your bonus and we’ll arrange for this to be paid into your pension.

To find out more about giving your pension a boost call/visit/speak to TBC





20 Supporting you

Employer

Things make more sense when you bring them together

Join 8,000 of our customers who brought their pensions together over the last year.Giving them – one simple plan, one view on retirement, one great deal.

Transferring other pensions will not be right for everyone. You need to consider all the facts and decide if it is right for you. If you’re unsure, speak to an adviser. As with any investment the value of your investment can go up or down and may be worth less than was paid in.

All you need to do is call 0345 60 60 835 or visit www.standardlifepensions.com/employerURLCalls may be monitored and/or recorded to protect you and us, and help with our training. Call charges will vary.


CIAB10SS 0417 ©2017 Standard Life, images reproduced under licence.

Campaign 10

ConsolidationThis campaign raises awareness of the fact that employees can transfer other pension plans into their workplace pension. It highlights the benefits and key considerations of bringing all their pensions into one place.

Poster CIAB10PO



Employer

Join 8,000 of our customers who brought their pensions together over the last year.Giving them – one simple plan, one view on retirement, one great deal.Transferring other pensions will not be right for everyone. You need to consider all the facts and decide if it is right for you. If you’re unsure, speak to an adviser. As with any investment the value of your investment can go up or down and may be worth less than was paid in.

All you need to do is call 0345 60 60 835 or visit www.standardlifepensions.com/employerURL

Things make more sensewhen you bring them together

Calls may be monitored and/or recorded to protect you and us, and help with our training. Call charges will vary.

Screensaver CIAB10SS

Supporting you 21

Postcard CIAB10PC

Things make more sensewhen you bring them together

Employer


One convenient, good value planHaving your pension in one place can make it easier to manage, as well as making it easier to see how much you could receive in the future.

What’s more, as a member of your workplace pension plan, you can also benefit from your group discount on any other pensions you transfer into your workplace plan.

For most people the discount is typically over 25% off standard pension charges (i.e. the charges that would apply if workplace discounts did not apply). This applies if you’re in the plan’s “low involvement” investment option – you’ll be in this option if you haven’t changed your investments since joining.

How to bring your pensions togetherIf you’re interested in transferring other pensions into your workplace plan, Standard Life can help. Transferring may not be right for everyone and there is no guarantee of a better pension as a result. You could lose money by giving up any guarantees or benefits you might get from other pensions. If you’re unsure speak to an adviser. As with any investment the value of your investment can go up or down and may be worth less than was paid in.

Just call 0345 60 60 835 or visit www.standardlifepensions.com/employerURLCalls may be monitored and/or recorded to protect you and us, and help with our training. Call charges will vary.

CIAB10PC 0417 ©2017 Standard Life, images reproduced under licence.

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.uk C105301

Subject line: Important information about your pension…

Standard Life’s pension transfer service can help bring any other pension plans you may have together, keeping everything in one place.

One convenient, good value plan

Having your pension in one place can make it easier to manage, as well as making it easier to see how much you could receive in the future.

What’s more, as a member of your company pension scheme, you can also benefit from your group discount on any other pensions you transfer into your workplace plan.

For most people the discount is typically over 25% off standard pension charges (i.e. the charges that would apply if workplace discounts did not apply). This applies if you’re in the scheme’s “low involvement” investment option – you’ll be in this option if you haven’t changed your investments since joining the scheme.

How to bring your pensions together

If you’re interested in transferring other pensions into your workplace plan Standard Life can help. Transferring may not be right for everyone and there is no guarantee of a better pension as a result. You could lose money by giving up any guarantees or benefits you might get from other pensions

Just call 0345 60 60 835 or visit www.standardlifepensions.com/employer websitetransfer URLhere

Calls may be monitored and/or recorded to protect you and us, and help with our training. Call charges will vary.



22 Supporting you

Campaign 11

Taking control of your investmentsThis campaign has been developed to encourage your employees to think about where their money is invested and whether they have considered the other options that may be available to them.

Employer

Your pensioninvestmentsWorking as hard as you?Did you know you can choose where the money that you pay into your pension is invested? It could have a big impact on what you get back when you retire so it’s worth taking the time to work out if your money is in the right place.



Poster GEN2031B

Email subject: Taking control of your investments

Dear [Variable]

Payments to your pension are invested to give your money more opportunity to grow.

Where your money is invested can have a big impact on how much you get back – and of course, the lifestyle you enjoy when you retire.

Taking control

Where your payments are invested is under your control and it’s easy to make changes either online or on the phone.

So, it’s worth taking the time to work out if your money is in the right place.

Ready for a closer look?

All investments have risks but there are usually investments options to suit different people, no matter what your level of experience. Remember, as with any investment, the value of your plan can go up or down and it may be less than you paid in.

Your company pension website has the tools and information you need.

To get started visit call/visit/speak to TBC




Supporting you 23

Your pension investmentsWorking as hard as you?

Did you know you can choose where your pension is invested? It could have a big impact on what you get back. To find out more call/visit/speak to TBC

Existing scheme members –post staging date email GEN2032B


Email subject: Taking control of your investments

Dear [Variable]

You’ve already made an important decision in saving for your retirement.

But it’s just as important to make sure that where your money is invested is right for you. Is it working as hard as it can on your behalf?

New investment solutions

As part of a review of your workplace pension, there is now a new default investment solution available. As you’re already a member of the pension plan, you’re not currently invested in this solution so now could be a good time to look at your investment choices.

As well as the default investment solution, you also have access to a wide range of options including a range of risk based funds and lifestyle profiles that have been specially designed to make investing for retirement easier.

All investments have risks but there are usually investment options to suit different people, and you don’t have to be an expert. There are choices to suit your level of experience and how involved you want to be. Remember, as with any investment, the value of your plan can go up or down and it may be less than you paid in.

Your company pension website has the tools and information you need.

To get started visit call/visit/speak to TBC




24 Supporting you

Campaign 12

ScamSmartHelp your employees protect your savings by being ScamSmart.

Poster CIAB12PO

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.Standard Life Assurance Limited is authorised by the Prudential Regulation

Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

CIAB12SS 0217 www.standardlife.co.uk © 2017 Standard Life, images reproduced under licence

2

ScamSmart

32% of over 75s

22% of over 55s...believe they have been

targeted by an investment scam in the last three years*

££

££

££

£

££

£32,000On average victims lost £32,000** each to investment fraud last year

Investment scammers will use any tactic to take your hard earned cash, check you’re staying scam smart by visiting

www.scamsmart.fca.org.uk *YouGov online survey of 1004 GB adults aged 55 and over in social grade ABC1**Figures from action fraud released in October 2016

Screensaver CIAB12SS

2

Investment scammers will use any tactic to take your hard earned cash, check you’re staying scam smart by visiting www.scamsmart.fca.org.uk

ScamSmart

32% of over 75s

22% of over 55s...believe they have been

targeted by an investment scam in the last three years*

££

££

££

£

££

£32,000On average victims lost £32,000** each to investment fraud last year

*YouGov online survey of 1004 GB adults aged 55 and over in social grade ABC1**Figures from action fraud released in October 2016



Employer


Be A ScamSmart Investor

Anyone can be a target of investment fraud, and it is becoming more sophisticated and very difficult to spot. Fraudsters can be articulate and appear financially knowledgeable. They have credible websites, testimonials and materials that can be hard to distinguish from the real thing.

Here are some tips to help you spot the scams and be a ScamSmart investor.

Reject unsolicited calls and check the FCA Warning List ¬ People offering high risk investments or scams will often cold call. Firms regulated by the FCA are very unlikely to

contact you in this way

If you’re called about an investment opportunity, hang up ¬ Callers will pretend they aren’t cold calling you. They may refer to a brochure or email that they have sent you.

Be wary of callers that do the following ¬ Make contact unexpectedly about an investment opportunity, either by phone or email ¬ Apply pressure on you to invest in a time-limited offer, for example, a bonus or discount if you invest before a set date ¬ Downplay the risk to your money, such as using legal jargon to suggest the investment is very safe ¬ Promise tempting returns that sound too good to be true ¬ Call you repeatedly and stay on the phone a long time ¬ Say the offer is only available to you, or even ask you to not tell anyone else about the opportunity

If you recognise any of these, you have every reason to be suspicious. If you’re suspicious at all do not send any money. Make sure you’re dealing with a reputable company before making any investment decisions.

To find more visit www.scamsmart.fca.org.uk

Supporting you 25

Campaign 13

Get a head start (auto-enrolment increases)Help your employees get ready for the auto-enrolment increases in April 2018

Poster CIAB13PO

Get a headstart

Why not get a head start and increase your pension payments now and aim to benefit from increased pension savings when you retire.

In April 2018 the law is changing and you will need to pay a minimum of 3% of your salary into your pension.

Your pension is a long-term investment, its value can go down as well as up and may be worth less than you have paid in.

To increase your payments to your pension please contact your HR department

Employer

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. CIAB13PO 0517 www.standardlife.co.uk © 2017 Standard Life, images reproduced under licence


Email subject: Get a head start with your pension

Why not get a head start and increase your pension payments now and aim to benefit from increased pension savings when you retire. In April 2018 the law is changing and you will need to pay a minimum of 3% of your salary into your pension.

The benefits of paying more now

The sooner you start to build up your pension savings the more you could have in retirement. You’ll also benefit from tax advantages from HM Revenue and Customs.

Your pension is a long-term investment, its value can go down as well as up and may be worth less than you have paid in.

To increase your payments to your pension please contact your HR department

26 Supporting you

Employer

Pension flexibilityPensions have changedIf you’re aged 55 or over, you’ve now got full flexibility over how you access your pension savings.Standard Life has created some new, simple tools to help you:

¬ Retirement Pathfinder – gives you a quick snapshot of the choices available to you and how you can make the most of the new rules ¬ Retirement Calculator – lets you explore and compare all of your retirement options

They also have a range of other tools to help you plan your financial future.

For more details call/visit/speak to TBC

Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.You can read more about pension flexibility at: www.standardlife.co.uk/c1/accounts-and-services/retirement-products.page

Get ready for life after work

From 6 April 2015, the world of UK savings and pensions changed and an exciting new era began. Your employees now have greater simplicity, choice and flexibility, making pensions an even more attractive choice for saving than ever before.We have a campaign that can help your employees make the most of this new, more flexible world. Page 27 Campaign 14 ‑ Flexibility at retirement

YOUR CAMPAIGN Flexibility at retirement

NEXT STEPS

Supporting you 27

Email subject: Pension flexibility

Dear [Variable]

Get the help you need to plan for retirement

With pensions now offering flexible access if you’re aged 55 or over, pension plan members have more choice, control and responsibility over their pension savings than ever before. To help you, Standard Life has created some new online tools which allow you to consider the important things to be thinking about in this new world of retirement.

Retirement Pathfinder

Use the Retirement Pathfinder tool to get a snapshot of your options under the new pension rules. The tool acts as a decision tree to review the different options you now have, and then it compares them based on your own personal circumstances.

Retirement Calculator

If you’re aged 55 or over, you can use the Retirement Calculator tool to help you put a plan in place. The tool allows you to find out how much you can get when you take your benefits whichever path you decide to take. It also gives you a broad indication of the potential tax consequences based on your decision.


Don’t forget it’s still as important as ever for you to make the most of your workplace pension and there are lots of good reasons why you should continue to invest in your pension fund. As an example, there is now no tax to pay on an inherited pension fund where someone dies before age 75. Some simple steps you can take to help you get a future to look forward to are:

Boost your pension

Did you know that increasing your pension payments by just 1% could make a real difference to your future.

Know your options

Understanding where your money is invested and the options available to you is the first step to understanding if it’s in the right place for you.

Go to the investment options section of the website and use the risk questionnaire.

Use the existing online tools

Your company pension website already has a range of online tools to help you visualise your life in retirement. Work out how much your pension is worth and see the impact that making small changes can have.

As with any investment the value of your fund can go up or down and may be worth less than what was paid in.

Your personal circumstances have an impact on tax treatment. Laws and Tax rules may change in the future.

Support

You can read more about pension flexibility at www.standardlife.co.uk/c1/accounts-and-services/retirement-products.page. Or if you’re looking for additional support you can contact Standard Life’s UK-based telephone support where we will talk you through the pros and cons of your options so that you can make a fully informed decision when setting up your retirement options. Additional charges apply.

You can also find out more at Pensionwise, a free and impartial government service designed to help you understand your pension options.

There’s a lot to consider, but Standard Life will give you the information and confidence you need to make the right choices for your retirement.

For more information call/visit/speak to TBC



Campaign 14

Flexibility at retirementWith pensions now offering flexible access if you’re aged 55 or over, this campaign promotes the online tools that can help your employees understand all of their retirement options.

Poster GEN2034

Employer

Pension flexibilityPensions have changedIf you’re aged 55 or over, you’ve now got full flexibility over how you access your pension savings.Standard Life has created some new, simple tools to help you:

¬ Retirement Pathfinder – gives you a quick snapshot of the choices available to you and how you can make the most of the new rules ¬ Retirement Calculator – lets you explore and compare all of your retirement options

They also have a range of other tools to help you plan your financial future.

For more details call/visit/speak to TBC

Remember, you can speak to a financial adviser if you’re unsure about anything to do with your workplace pension.You can read more about pension flexibility at: www.standardlife.co.uk/c1/accounts-and-services/retirement-products.page

Screensaver GEN2459

Email copy for all members GEN2035

Pension flexibility

Pensions have changed.If you’re aged 55 or over, you now have full flexibility over how you access your pension savings.Standard Life has created some new, simple tools to help you make the most of the new rules.

To find out more call / visit / speak to TBC

Employer

28 Supporting you

Of the 654 people presented to between January and March 2017:

Over 86% understood the importance of having a pension more

Over 96% said the face to face presentation was either good or very good

I feel the Standard Life support was excellent, the planning effortless, with a very professional delivery conducted in a way that was received positively by all employees attending the Standard Life presentations.

““

Data collected by Standard Life from a sample of 654 people from January to March 2017.

From new joiners to members approaching retirement, we can help your employees fully understand the benefits of their pension.

This can be done through face to face presentations at your premises and online webinars members can dial into.

From just £900 we will provide you with a dedicated communications consultant who will design and produce your compliance-approved communication package.

The benefits of these sessions include:

• Increased employer ability to attract and retain satisfied employees

• Improved employee understanding and the utilization of compensation and benefit programmes

• Enhanced employee understanding of the current and future value of their benefits

Face to face – the most powerful communication

Consolidation Q&A session

How the plan works

Investments Retirement options

Payments

Supporting you 29

Bespoke campaign options

If you have a specific message or communication need we can offer access to Standard Life’s in-house communications consultancy. We can work with you to build, deliver and measure a simple campaign, or a full communication and messaging plan. Here are some examples of the available communications:

Member profiling

Understanding and managing complex communications challenges

• Complete project management• Full design and creative services• Branding• Collateral and newsletters• Website and multimedia• Video and animation• Email marketing and direct mail• Targeted campaigns• Campaign evaluation• Event organisation• Photography and illustration• Print management

Member presentations, retirement roadshows and webinars

Targeted member campaigns

End-to-end campaign planning, production and analysis

If you’d like to engage, inform and empower your staff then please contact us at [email protected] and let us know what you need.

30 Supporting you

Bespoke campaign options (continued)

Simmons & Simmons wanted an engaging email campaign to compliment the specialist face-to-face sessions that Standard Life ran.

This was a 3-stage campaign covering the topics: managing your savings; having enough to retire on and consolidation. Emails were targeted at two segments; the under 45’s and the over 45’s.

The results

16% of recipients increased their pension savings 55% registered online to better manage their Plans

Campaigns created just for youCommunications created and targeted specifically for your members can be the most powerful way to engage them with their pension. Here’s an example of an email campaign we created for law firm Simmons & Simmons

Supporting you 31

Notes

56° is a brand used by Standard Life Assurance Limited.

Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House,30 Lothian Road, Edinburgh EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. www.standardlife.co.uk



the total workplace engagement solutionlibrary.adviserzone.com/gen1717b.pdf · 2017. 7. 6. ·...

Documents