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

What is Auto Enrolment?

It’s 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 Government’s

pricing criteria

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

under the Government’s 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 you’re 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 government now requires all employers in the public

and private sector to enrol eligible workers into a qualifying workplace pension scheme.

To comply with the new legislation, all eligible workers will be enrolled. We are enrolling you into the

True Potential Pension Scheme. To find out more information about the Scheme, visit TP Landing page.

What does this mean for you?

[Employers name] and you will both pay into it every month. The payments into your pension will be

taken directly from your monthly pay and will include your contributions including tax relief and our

contribution as follows:

• Our contributions of [insert exact percentage].

• Your contributions of [Insert exact percentage].

• You can choose to opt out of the Scheme if you want to but if you stay in, you will have your own

pension which you get when you retire.

• You will receive tax relief on your contributions.

• Your pension belongs to you, even if you leave our employment in the future.

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 pension scheme on [insert Auto Enrolment date], you don’t have to do anything

and your personal details will be passed on to True Potential.

2. If you do not want to join the pension scheme, you can opt out from [insert start date of opt out

period]. You cannot opt out until after you have been enrolled into the scheme. The end date of your opt

out period will be either one month or three months later, depending on the scheme rules and the Auto

Enrolment Regulations 2010.

Yours sincerely

[Insert name of signatory]

a b c

Because there aren’t 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. It’s 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 you’re in, you’re in for a nice surprise. Auto enrolment is coming.

Because there aren’t 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. It’s 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 you’re in, you’re in for a nice surprise. Auto enrolment is coming.

Because there aren’t 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. It’s 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

Join the people saving

for a better future.

Auto enrolment is coming.

• 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:

What’s 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 the relevant documents do not represent personalised advice and is not confirmation that any of the products/funds match your financial requirements. If you should have any doubt about whether something meets your needs you should seek financial advice in order that your individual circumstances can be considered. If you do not already have an adviser, financial advice is available from our sister firm, True Potential Wealth Management.

Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NXLondon Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB.