Bluesky is a Master Trust authorised by the Pensions Regulator and one of the largest Master Trusts in the UK.

Bluesky received Authorised master trust status from the Pensions Regulator in April 2019 putting it alongside only a few other providers who have achieved this success to date. In addition, Bluesky is an Auto Enrolment qualifying workplace pension scheme. Operating for over 30 years, Bluesky is the chosen pension scheme for many industries and partnerships covering over 1 million employees and prides itself on innovation and value for money offering Target Date Funds as a member default and the opportunity to drawdown pension benefits in the UK’s first Trust based drawdown scheme, Crystal, operated by Evolve Pensions Ltd. Any employer is able to join Bluesky using the automated SUN (Sign Up Now) process. Please note that Bluesky is a net pay arrangement, which means that pension contributions are deducted from earnings before they are taxed. If an individual does not pay tax, they will not benefit from the tax relief that a tax payer would.

For Members

Member Access Portal

Login or Register to have Real Time access to: Account information Update personal details Scheme and investment information Annual benefit statements

Members guide

View online or download the Member Guide


For Employers


A one off discounted fee of £250+VAT for support and sign up.

For any other employer

A one off fee of £450+VAT for ongoing support and sign up

For employers using an Independent Financial Advisor

A one off fee of £295+VAT for support and sign up

What’s included in support?

Help for employers at every step Guidance can be received via a helpline from our qualified staff. Pre-staging templates and wording that can assist employers in communicating with workers. Implementation planning. A review 4-5 months prior to staging. Technical assistance to generate the data files required 2 sets of test data checked Technical feedback and support.

For Advisors

Learn more about Bluesky, a trusted partner

You can meet your Auto Enrolment needs and give your employees a high quality employment benefit by nominating the award winning Bluesky as your workplace pension scheme.

Open to any UK Employer

You can join using the Sign Up Now (SUN) process, a simple online form which allows you to complete all sign up documents. You can receive support from our dedicated Integration Team to help you in the run up to your Staging Date including pre staging communications and guided planning. More Information

Run for members, not shareholders

Bluesky is operated on a non-profit basis by an independent Trustee Board who are advised by independent professional advisers. You can be assured that when you elect to use Bluesky that your employees are not paying for commissions and adviser fees. Members have access to live information about their Fund and Bluesky using a secure online tool, the Member Access Portal (MAP).

How to be Auto Enrolment Ready

How to help your clients become Auto Enrolment ready


Sign up Now

Help your clients through the Sign Up Now process

Member charges from 0.4% per annum

When selecting a pension arrangement, you should satisfy your clients that their employees are subject to fair, transparent charging which represents good value for money. High charges can severely erode employees’ pension savings. Bluesky can be operated at no cost to the Employer and with total member charges starting as low as 0.4% pa.

Advanced investment thinking

As a member of a pension arrangement employees are investing their pension savings in line with the choices available. Pension arrangements with poor investment choices can severely affect the outcome for employees. Bluesky offers a wide range of investment choices including the award winning Target Date Funds. Further details of the investments on offer can be found on our Investments Section.

Flexible Contributions

Bluesky allows Employers to pay any rate of contribution on any definition of pay making it as flexible as your client needs. Please note minimum contribution rates apply under current legislation. See Contributions PDF.

Is your client using another arrangement?

If your client is already using another pension arrangement you may wish to review its appropriateness. Bluesky is an award winning scheme which has been recognised for its dedication to the most innovative and forward thinking options for members whilst maintaining a simple and robust structure for employers. Evolve can talk you through the simple steps allowing you to assist your client. Email Evolve

Helping your client manage old pension arrangements

If your client has previously used a pension arrangement for their employees it may be possible to transfer this to Bluesky. This could reduce the administration burden and maximise the benefits available. Evolve are on hand to talk you through how to assess any historic schemes and the simple steps to combining so you can add value to your client proposition. Contact us

Auto Enrolment

Immediate Employer Pension Duties’ explained

New businesses registered with HM Revenue and Customs (HMRC) after 1st October 2017 will have a legal duty to put eligible staff straight into a workplace pension as soon as they employ staff.   In order to prepare for these duties, an employer should ensure that it has investigated which pension scheme is suitable for its employees. Bluesky is a Qualifying Workplace Pension Scheme which satisfies all stipulations and standards set under Automatic Enrolment and is also on The Pensions Regulator’s (tPR) list of approved Master Trusts. Full support is provided to employers participating in Bluesky thus ensuring immediate duties can be implemented as smoothly as possible. For further information regarding Automatic Enrolment and immediate duties, please refer to the FAQs on this page or visit The Pensions Regulator (tPR) website which has launched a new online suite of information and tools for new businesses For more information regarding Bluesky, please visit

What is Auto Enrolment?

Auto Enrolment refers to pension’s legislation which affects all employers in the UK. From 1 October 2012, all employers in the UK had to enrol all of their eligible employees into a qualifying workplace pension scheme and were provided with varying staging dates in order to comply. The last official staging date was 1st February 2018, however, with effect from 1st October 2017, new employers were no longer provided with a staging date, but instead have a ‘Duties Start Date’ which means that their Automatic Enrolment duties will commence on the contracted start date of their first worker. This is known as immediate duties. Your Duties Start Date is key as this is when the Automatic Enrolment duties start to apply to you.  Compliance with the new legislation is compulsory and failure to meet the requirements may result in substantial fines.

Postponement options

You can postpone your Auto Enrolment duties by up to 3 months. However you must communicate with your employees within 6 weeks of your original Duties Start Date to confirm that the duties are being postponed and to give prescribed information about the Auto Enrolment process. Your employees can elect to opt in to Bluesky during the postponement period however they would not be automatically enrolled. Other postponement options that can be used are up to 3 months’ postponement from employment date for new employees and up to 3 months’ postponement from the date that employees become eligible for Automatic Enrolment. These options may help to reduce your costs for short term or temporary staff but please be aware that employees have the right to opt in to the scheme at any time. You do not have to notify the Pensions Regulator (tPR) of your postponement decision in advance.

Know your workforce

Employees who are aged between 22 and State Pension Age who are earning over £10,000 pa. These employees will need to be automatically enrolled into a pension scheme and have contributions deducted and paid. Type 2 Employees that fall outside of the Type 1 age and earnings criteria will only need to be enrolled in to the pension scheme if they wish to join. Non Eligible Jobholders Employees who are aged between 22 and State Pension Age who are earning between £5,876 pa and £10,000 pa. AND Employees who are aged between 16 and 21, and State Pension Age and 74 who are earning over £5,876 pa. These employees are not automatically enrolled but can elect to opt in to the pension scheme and have contributions paid. Entitled Workers Employees who are aged between 16 and 74 and are earning less than £5,876 pa. These employees are not automatically enrolled but can elect to join a pension scheme, however employers are not required to contribute.

Getting your scheme up and running

Once you have nominated Bluesky (using the link below) you will be asked to provide the following:

  • Signed Participation Agreement, generated at the end of the SUN process. Sign Up Now
  • Two sets of test data prior to staging, in an agreed format.
  • Full ‘live’ data at your Duties Start Date and prior to every subsequent payroll.
  • Contribution information after every payroll to confirm the actual deductions from pay, in an agreed format.

Contribution payments should be sent by BACs, cheques will not be accepted.

Communicate with staff

Write to each of your Employees – You must do this within 6 weeks of your staging date One of your immediate duties is to write to each member of staff telling them how Automatic Enrolment law affects them, for example, whether they’ve been automatically enrolled, or that Automatic Enrolment has been postponed for them. You must do this within certain time limits, within six weeks of them being enrolled, or within six weeks of your Duties Start Date if you’re postponing. Enrolling Type 1 Staff (eligible jobholders) – You will have a maximum of 6 weeks Once you know who you need to automatically enrol (section – Know your workforce), you will need to provide Bluesky with specific information to commence their membership (section – Getting your scheme up and running). If you have postponed Automatic Enrolment from your Duties Start Date, you will need to assess the ages and earnings of each member of staff on the last day of the postponement period, to see who is eligible for Automatic Enrolment. You will have six weeks from the end of the postponement period to automatically enrol any staff who are eligible. If you have not postponed, you will need to assess the ages and earnings of all staff on your Duties Start Date. You will need to automatically enrol anyone who is eligible within six weeks. Keep records of who you have enrolled. You will need to tell tPR how many you have enrolled into which scheme at registration. You must not say or do anything that could be viewed as influencing any of your staff to opt out of your pension scheme. This is referred to as ‘inducement’ which is a breach of the law and could result in fines.

Declaration of Compliance

The Declaration of Compliance is the legal requirement to submit information to tPR about how you have complied with your Automatic Enrolment duties. If you do not provide the information required, you may face enforcement action and incur a fine. Your registration deadline is five calendar months from your Duties Start Date, even if you decide to use postponement. You need to provide the information online using your Government Gateway ID. You will need to provide information like the details of the pension scheme you have used for Automatic Enrolment and how many people you have automatically enrolled into it. Even if you have not automatically enrolled anyone, you will still need to complete the Declaration.

Keep Records

Certain records must be kept about your staff and about the pension scheme. Some of these will be kept by the pension scheme, some must be kept by the employer. These include:

  • Names and addresses of staff you have automatically enrolled
  • The contributions payable to the pension scheme and when they were paid
  • Any opt-in or opt-out notices you receive
  • Name and address of the pension scheme
  • Employer pension scheme reference or pension scheme registry number

Make sure you know what these records are and where to get them from. You will also need to decide how you will store them so you can easily access them. Keeping records is good governance and is proof that you have carried out your duties. These records must be kept for a specified time, which in most cases is six years.

Sign Up Now (SUN)

This Form Will Generate Your Agreement



Bluesky offers first class investments allowing members the choice of a market leading default investment strategy, Target Date Funds, or a carefully selected and monitored range of self-select funds.

Target Date Funds

Target Date Funds are a series of funds tailored to a member’s retirement date. Each Target Date Fund is a diversified investment fund, which adjusts with age and proximity to retirement. It aims to give the highest possible pension income with a high level of risk management. Blueskys’ award winning Target Date Funds are provided by AB Global, who oversee the strategy ensuring that the mixture of assets is appropriate to the investment markets on a daily basis, using the Mobius Life investment tool, the Member Access Portal (MAP).

  • Diversified
  • Age Appropriate
  • Daily Monitoring
  • Risk Reducing
  • Intelligent


The lifestyle strategy is provided by Legal & General Investment Management (LGIM), a global leader in passive investment management. It is designed to automatically manage members’ investments, with an aim to start protecting their funds from the age of 50 up to the age of 75. The chart below outlines the overall strategy, which is appropriate throughout an individual’s period of saving. The lifestyle strategy does not contain traditional lifestyling to align a member’s investments to a specific retirement age, normally 65, with no further strategy beyond that point. It is designed to maximise investment growth in the member’s early years, then gradually switch into other asset classes to reduce exposure to the stock market. With working patterns changing and retirement ages variable, the lifestyle strategy allows members the freedom to access their savings anytime from age 55, in the knowledge that their investments are continually monitored and adjusted, up to the age of 75.

Have an old scheme sitting in the background?

If you have previously used or are using a pension arrangement for your employees with a low cost lifestyle option Bluesky can ease the transition with the Bluesky LGIM lifestyle strategy, at 0.4% per annum. Bluesky can help you assess your old scheme investments and take you through the simple steps to transitioning. Contact Evolve


Members can choose from an exceptional range of funds, managed by professional investment managers and white labelled to provide additional governance:

Passive Funds

  • Bluesky Global Equity Passive
  • Bluesky Property
  • Bluesky Cash
  • Bluesky Ethical
  • Bluesky Sharia

Active Funds

  • BlueSky Global Equity Active
  • BlueSky Bond
  • BlueSky Emerging Markets
  • BlueSky UK Small Cap
  • BlueSky UK Equity Active

Latest fund factsheets

Target Date Funds

Self Select Funds

Lifestyle Funds

Sign Up Now (SUN)

This Form Will Generate Your Agreement


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Swanley Office

Unit 2, White Oak Square

Switchboard: 0333 321 8208

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