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Exciting news which will affect your Crystal pension

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.

A robust plan is in place with the aim of moving your retirement savings around July 2024 and we will keep you updated on the progress of this during the coming months.

Your pension contributions will continue to be paid to Crystal for the time being and you will have all your normal Crystal benefits and access to the usual support including use of the online system evoLink.

More details will be made available here throughout the process and we will contact you to let you know when new information is added.

By ensuring we have your correct details you will never miss out on important information about your Retirement Savings, including when it is time to think about planning for your future. If you need to change these details, head to to submit your details.


Building up your Retirement Savings

We offer a default fund and 7 self-select funds as investment options to suit your personal circumstances and preference to investment risk. Your Retirement Savings will automatically be invested in the default fund. However, you may decide that you wish to self-select investments to better match your savings goals.

Each fund has a charge to cover the investment of your Retirement Savings which vary depending on the fund your contributions are invested in. Details of each fund’s investment charge can be found on the fund factsheets.

All of our funds are closely monitored by the Trustee, its Investment Committee, and Investment Consultant, who ensure the funds are managed effectively and perform in line with the Trustee’s expectations to provide Members with the best value for money.

When selecting the funds in which your contributions are to be invested in, you should consider the importance of spreading the risk across different types of funds and how risky each type of investment is. Actively managed funds aim to outperform the market by taking additional risk, while passive funds aim to track the market whilst taking as little risk as possible. If you are in any doubt you may wish to seek independent financial advice.

If you wish to change your investment selection, please complete the Investment Options form which can be found on evoLink.

Target of 3% above inflation

Risk Rating

1 2 3 4 5 6 7 8

Lifestyle has been designed to automatically manage Members’ investments and gradually reduce risk from age 50 up to 75.

This strategy is intended to achieve strong investment growth in the Member’s early years of employment. It then progressively switches into other asset classes to reduce exposure to the stock market near retirement age. 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.

The Lifestyle strategy aims to achieve this pattern by moving through three funds with reducing risk levels. The funds are made up of a blend of asset classes, including stocks and shares, corporate and government bonds, and property. These blends are designed by Crystal and managed by Legal and General Investment Management (LGIM). These funds are given an implicit ESG (Environmental, Social & Governance) score of at least 50%, using LGIM’s Future World (FW) Range.

The chart outlines the overall strategy, reflective of an individual’s period of saving.

Download factsheet

Contact us

Please note that you can view your account and obtain information online on the Member portal, evoLink. You can also arrange transfers and carry out other processes. If you have not yet registered for evoLink, please do so by visiting evoLink.

Alternatively, 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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