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Find out more about the RIBA Pension

​Find out more about the RIBA Pension

Tel: +44(0)20 7307 3737
Email: ribapension@riba.org

The law on workplace pensions has changed. Under the Pensions Act 2008, every employer in the UK must put certain staff into a pension scheme and contribute towards it. This is called 'Automatic Enrolment'.

The employer must make all the arrangements and the individual need do nothing to be put into the scheme, though they will be able to opt out.

Automatic Enrolment in simple steps

Know your staging date

Each employer will be given a date by which they must comply with AE rules, this is the staging date. You can find out your staging date through The Pensions Regulator.

If you want to check what you must do and by when, you can use the Duties Checker online tool, provided by The Pensions Regulator.

What does it mean for you?

All UK employers must comply. That means choosing a pension scheme, selecting software, working out which staff are eligible, communicating the changes, enrolling staff, making contributions and maintaining records.

The larger the practice, the earlier it must stage. All firms will need to be compliant by the end of 2018. Non-compliance can lead to penalty fines and court actions by The Pension Regulator.

If you have one or more eligible employees, you must ensure they are enrolled in a compliant scheme. If you are a sole practitioner, you are not required by law to enrol yourself into a scheme, though you will still want to consider how best to save for your retirement.

Employees must decide whether to opt out of their employer’s scheme.

How can we help?

The RIBA has developed an auto enrolment pension scheme and Chartered Practices receive a substantial discount on both the sign-up fee and the annual fee. We have evaluated other schemes on the market and come up with a solution that matches or beats the competition on key criteria such as cost, quality and ease of management.

The RIBA Pension offers:

  • an annual management charge of 0.44%, well below the industry average, meaning more money goes into staff pension pots
  • secure, affordable and compatible software, with Chartered Practices benefiting from discounted rates
  • capacity to take you on, whenever your staging date
  • accessible - open to all staff and designed for practices of any size
  • portable - employees can take their pension with them if they move to another practice
  • flexible - offering a choice of funds and freedom to transfer accumulated savings in and out

RIBA Pension Governance Structure

Find out more about the RIBA Pension and how it can be beneficial for your practice in one of our FREE seminars or webinars.

Upcoming Webinar Events
Thursday 23 November - 11am to midday

Upcoming Seminar Events
London, Tuesday 5 December - 12:30pm to 1:30pm

If you would like to attend one of our upcoming events please get in touch with us by emailing RIBA Pension or call us on 020 7307 3737.

When can I apply?

We suggest you apply at least three months before your staging date. However, if your staging date is closer than three months away we can still help get you up and running.

If you already have a workplace pension set up and want to switch, it's not a problem - contact us now to find out how simple we can make it.

Application process and fees

Application form

Frequently asked questions

Once you have staged you must tell The Pensions Regulator you have complied.

Once you have completed your scheme set up and all eligible employees have been enrolled, it is important to tell The Pensions Regulator. You have up to five months from your staging date to do this.

Remember, automatic enrolment is your legal duty and if you don't act you could be fined.

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