Auto enrolment on auto pilot.A unique solution for you and your employees.

What is Auto Enrolment?

Its a Government scheme where every employee (who is eligible) is opted into a work based pension scheme to save for

their retirement.

Your company is required to contribute to the scheme as well as the employee. Government tax relief will also boost contributions.

Employee pays

Minimum 0.8% of qualifying earnings

rising to 4% by 2018.

Employer pays

Minimum 1% of qualifying earnings

rising to 3% by 2018.

Government pays

0.2% of qualifying earnings rising to

1% by 2018.

How it works:

Find out your staging date:

Upcoming dates

PAYE Scheme Size Staging Date

60 1 Oct 2014

59 1 Nov 2014

58 1 Jan 2015

54-57 1 March 2015

50-53 1 April 2015

40-49 1 August 2015

30-39 1 October 2015

Fewer than 30 1 June 2015 - 1 April 2017

Employers without PAYE 1 April 2017

Auto enrolment began in 2012 with large companies and will affect all UK businesses by 2018.

Your responsibilities:

Set up a qualifying auto enrolment scheme

Establish which of your employees are eligible

Communicate with all employees

Choose a pension provider with a default investment fund

You need to consider:

How long will the scheme take to set up?

How much does the scheme cost me and my employees?

How easy is the scheme to use?

Is this the best solution for my employees?

Who is eligible?

Employees must be auto enrolled and begin to make contributions to your work based pension if they:

Earn more than 10k per year Work in the UK

Your employees who fall outside these criteria can choose to join a work based pension scheme.

Are agedbetween 22 and

State Pension Age

Why work with us?

The True Potential LLP group of companies is one of the fastest growing financial services and technology firms in the UK.

We are a well respected financial force who provide investments, technology and support services to 22% of all UK Financial Advisers and their clients.

Key facts about the True Potential group of companies:

Administrators of 88bn of assets on behalf of True

Potential end clients. (as of 31 December 2013)

The Group had a turnover of 27.5M

for 2013, an increase of 112% on the previous year

Net profit for 2013, increased by 47% over 2012 (5.3m)

Launched a first-of-its-kind impulseSave

investment top-up technology to the

public in March 2014.

There are over 18,000 users and

32,000 private clients using our single intergrated wealth platform.

(As of 31 December 2013)

One of 74 UK companies to apper withing the Deloitte

Technology Fast 500 EMEA for 2013.

Why do employers choose True Potential Investor for auto enrolment?

Employer benefits:

Qualifying auto enrolment scheme

Free to employers

Easy to use

Easy to set up

Qualifying auto enrolment scheme:

Our auto enrolment scheme has a default L&G balanced fund that meets the Governments

pricing criteria

You can also choose from a range of five risk- based L&G funds to suit your employees, all

under the Governments price cap

Simple setup:

You receive a one-to-one service to seamlessly intergrate the new system

Set up your scheme to suit your business and employees

Easy to manage:

The system helps you, or your accountant, stay on top of your auto enrolment obligations with alerts and messages when you need to act

After youre set up, our dedicated support team is here to help with any questions

Mr J Smith

1 Random House

Durham DH7 7ZK

Dear [insert name]

To help people save more

for their retirement, the g

overnment now requires a

ll employers in the public

and private sector to enro

l eligible workers into a qu

alifying workplace pensio

n scheme.

To comply with the new le

gislation, all eligible worke

rs will be enrolled. We are

enrolling you into the

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What does this mean for yo

u?

[Employers name] and you

will both pay into it every

month. The payments into

your pension will be

taken directly from your m

onthly pay and will include

your contributions includ

ing tax relief and our

contribution as follows:

Our contributions of [i

nsert exact percentage].

Your contributions of [

Insert exact percentage].

You can choose to opt

out of the Scheme if you w

ant to but if you stay in, yo

u will have your own

pension which you get wh

en you retire.

You will receive tax re

lief on your contributions.

Your pension belongs

to you, even if you leave o

ur employment in the futu

re.

What you need to do now?

This depends on what you

want to do. You have two

options:

1. If you want to join the p

ension scheme on [insert A

uto Enrolment date], you d

ont have to do anything

and your personal details

will be passed on to True

Potential.

2. If you do not want to joi

n the pension scheme, you

can opt out from [insert st

art date of opt out

period]. You cannot opt ou

t until after you have been

enrolled into the scheme.

The end date of your opt

out period will be either o

ne month or three months

later, depending on the s

cheme rules and the Auto

Enrolment Regulations 201

0.

Yours sincerely

[Insert name of signatory]

a b c

Because there arent enough of us saving for our retirement the Government have launched a

new scheme called auto enrolment. The initiative means that every employee (who is eligible) is

automatically opted into a work based pension. Its an excellent way to grow your savings because

not only do you contribute yourself, so does your employer while the Government tax relief also

boosts contributions which makes for greater savings and a far brighter future.

Powered by

If youre in, youre in for a nice surprise. Auto enrolment is coming.

Because there arent enough of us saving for our retirement the Government have launched a

new scheme called auto enrolment. The initiative means that every employee (who is eligible) is

automatically opted into a work based pension. Its an excellent way to grow your savings because

not only do you contribute yourself, so does your employer while the Government tax relief also

boosts contributions which makes for greater savings and a far brighter future.

Powered by

If youre in, youre in for a nice surprise. Auto enrolment is coming.

Because there arent e

nough of us saving for

our retirement the Gov

ernment have launche

d a

new scheme called au

to enrolment. The initi

ative means that every

employee (who is elig

ible) is

automatically opted in

to a work based pensi

on. Its an excellent wa

y to grow your savings

because

not only do you contrib

ute yourself, so does y

our employer while the

Government tax relief

also

boosts contributions w

hich makes for greater

savings and a far brig

hter future.

Powered by

Join the people saving

for a better future.

Auto enrolment is comi

ng.

The system generates all mandatory communications for you

All employee documents are stored in your employees online account

Employee communication:

How the scheme will benefit your employees

True Potential Investor gives your employees a online account to track and manage their pension fund 24/7.

Your employees can:

Choose a target retirement date

Set a realistic goal amount for their pension using our income calculator

Choose from a range world-class investment funds

Your employees can:

Track their pension 24/7 online or via our mobile and tablet apps

Decide how much risk they are willing to take

Top-up their pension from 1 at any time using our first-of-its-kind impulseSave feature

Your employees can:

Employer site demonstration:

Whats next?

Any questions?

Agree and sign the service contract

Implementation team will be in touch to guide you through setup

Register with The Pensions Regulator no later than five months after your staging date

Disclaimer

Your capital is at risk, investments can fluctuate in value and investors may not get the amount back they initially invest. Past performance is not a guide to future performance. Tax rules can change at any time. TPI Pension eligibility and tax rules apply.

True Potential Investor is a trading name of True Potential Investments LLP which is authorised and regulated by the Financial Conduct Authority. FSR no 527444. Registered in England and Wales No OC356027. www.fca.org.uk.

True Potential Investor and this website together with th