Evolve Pensions

Joining and Auto Enrolment

You can become a Member of Crystal in one of two ways:

You will either be automatically enrolled by your Employer.
Or alternatively, if you are not automatically enrolled you can ask your Employer to enrol you.

Your eligibility to be auto-enrolled into Crystal is based on your age and earnings. If you do not meet the statutory conditions for auto-enrolment and are aged between 16 and 74 you may choose to join Crystal.

Crystal provides you with a seamless experience, guiding you from building up your Retirement Savings to taking benefits, without ever having to switch to another provider.

Auto Enrolment

If you are automatically enrolled in Crystal your Employer will provide us with your details and automatically deduct contributions from your pay unless you opt-out.

Your first month’s contributions will be invested in a Cash Fund whilst you decide if you would like to continue with your membership. After this period your Retirement Savings will automatically switch to the default fund.

Stay In Don’t Lose Out

Your Employer should automatically notify us if you are no longer employed with them.

If you wish to opt-out of Crystal you may wish to consider the below:

If you start paying into a pension now, even the minimum, then you will be in a much better position when you retire. You may even be able to retire earlier than planned.

Don’t forget that your Employer also contributes to your Retirement Savings every month in addition to your normal pay.

You may be able to opt in later, this will be up to your Employer. You will need to contact your Employer.

Every Employee can opt-out. The opt-out period is one month from when active membership is created, or they receive their letter with the enrolment information, whichever is latest.

You can choose to stop contributing to Crystal at any time, but you will not be able to receive a refund, outside of your opt-out period. Your Retirement Savings will remain invested until you choose to take your savings or until you transfer it to another pension provider. Your Employer will also cease to contribute.

You will need to complete your details on the opt out of auto enrolment on the Crystal website then click on the Download Form box, complete the form, and return it to your Employer. Your Employer will then send the form to Evolve. It is essential you keep a copy of the form for your records.

Please note: Even if you opt-out of Crystal your Employer may be required to automatically re-enrol you into Crystal at a later date.

If you leave Crystal your Retirement Savings will remain invested until you choose to begin taking your savings or transfer out.

Moving Overseas

If you move overseas your Retirement Savings will remain invested until you choose to begin taking your savings or transfer to a Qualified Recognised Overseas Pensions Scheme (QROPS). A QROPS is an occupational pension scheme provided by your new Employer.

There is a 25% tax charge on transfers from a UK registered pension scheme to a QROPS unless you meet any of the following exceptions:

Both the individual and the pension scheme are in countries within the European Economic Area (EEA); or
If outside the EEA, both the individual and the pension scheme are in the same country.

Exciting news which will affect your Crystal pension

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