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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.


Your Retirement Savings will automatically be invested in our best-fit default, our Lifestyle Strategy, which has proven outstanding performance in the Master Trust market. In addition, Crystal offers 17 funds that you can select, these are called self-select options.

The Investment Manager, the Trustee, its Investment Committee, and Investment Consultant closely monitor all our funds. They ensure the funds are managed effectively and perform in line with the Trustee’s expectations to provide Members with the best value for money.

If you wish to change your investment selection, log in to your evoLink account and complete an Investment Option form.

You may also wish to refer to your handbook.

Lifestyle Fund

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

Self Select

There are 16 Self-Select funds for you to choose from. To choose your own fund login to your evoLink account.

  • Lifestyle (Annuity)
  • Lifestyle (Drawdown)
  • Global Equity Fixed Weight (50:50) GBP Currency Hedged
  • UK Equity
  • World Emerging Market
  • World Equity Index
  • World (Ex UK) Equity Index
  • Crystal Shariah
  • Investment Grade Corporate Bond All Stocks
  • Diversified
  • Dynamic Diversified
  • Hybrid Property (70:30)
  • Cash
  • Retirement Income Multi-Asset
  • Pre-Retirement
  • Pre-Retirement Inflation Linked
  • Crystal Responsible Investment Fund

Download Self Select Fund Factsheets

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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