The Nest Pension Scheme (default option)

Here at Clarity, all of our employees will be auto-enrolled into the pension scheme operated by NEST.

NEST was set up by the government for auto enrolment but is run as a trust. NEST is run by its Trustee, NEST Corporation. This means that a trustee board oversees NEST and makes sure that it’s doing its job.

NEST Corporation, the Trustee that runs the NEST scheme, is a non-departmental public body. It’s accountable to Parliament through the Department for Work and Pensions but is generally independent of government in its day-to-day decisions. Being a public body means that they have no owners or shareholders. As a Trustee, they run the scheme in the interests of our members.

Your money in Nest

Nest will automatically put your money into a Nest Retirement Date Fund designed to have your money ready for you when you’re due to take it out. They assume you’ll take your pot when you reach 65 or your State Pension age, depending on when you were born. If you prefer, you can change the year you want to take your money out to an earlier or later date. This could be any time after the age of 55. You can also choose one of our other funds. They also have options to suit some personal beliefs or preferences about how we manage your money. Find out more at

Nest charges

Nest keep costs as low as possible. Being an online scheme helps them to do that. To cover the costs of managing your money they take a small percentage of the money going into your pot. They also take a very small percentage off the value of your retirement pot over the year. See more about our charges at

Contributing to your NEST retirement pot

We’ll take the contributions for your retirement pot every time we process a payment to you. All of our pension payments are taken via salary sacrifice, and as such all tax relief is applied at source rather than by Nest.

If you would like to know more about the Pension Scheme, please click here to download the Nest Guide to Pensions.

*Please note, the Nest documentation may refer to the government contributing, however as all of our pension payments are taken via salary sacrifice, any tax relief is applied during our payroll process rather than by Nest.

Option 2: Coming Soon