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Exciting news which will affect your company’s participation in Crystal

After an in-depth due diligence process the Crystal Trustee has made an agreement with Smart Pension to merge Crystal into the award-winning Smart Pension Master Trust.

This will mean you and your employees will continue to have access to a high-quality pension arrangement with excellent value but with amazing new membership benefits which are detailed at

A robust plan is in place to move all members’ retirement savings to Smart Pension during 2024, but we will keep you updated on this progress in the coming months.

In the meantime, Crystal will continue to run exactly as it does now and you and your employees will continue to have all the normal Crystal benefits and access to the usual support, including use of the online system evoLink.

More information about this change is available at


Responsible Investment

We believe that abiding by Environmental Social and Governance (ESG) guidelines gives the potential to add value when integrated into the investment process for long-term investors and specifically, we believe it helps control risk.

Following a review of the funds available to Members, the Trustee implemented a change to ensure that the Legal & General Investment Management (LGIM) Lifestyle strategy have a much improved ESG score. In addition to the Lifestyle strategy, all other funds including the Target Date Funds and self-selected range have been fully assessed for ESG considerations and the Trustee continue to work with the Investment Managers to ensure they are suitable for Members’ retirement savings.

The Trustee maintains a close relationship with the Investment Managers to ensure its instructions are being accurately reflected and frequently request updates to see how the position has improved over time.

The Trustee continues to improve the ESG rating of funds with a focus on exploring a wholly ESG centred fund available to Members as a self-select option.

Read the Climate-related financial disclosures report here.

Contact us

This contact form is for Employer enquiries only. If you are enquiring about a Member or your own Retirement Savings, please click here.

Please use the form below to contact us and we will get back to you as soon as possible.

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Our Administration Teams are
available by phone
Monday - Friday 9am - 5pm

  • 01322 640530
  • Swanley Office
    Unit 2
    White Oak Square
    BR8 7AG

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