Workplace Pension

If you are looking for a pension scheme which puts its members first and has demonstrated excellence in providing a secure, easy to understand retirement savings vehicle then the answer is clear, Crystal.

The Service

With no Shareholders seeking profits, Crystal offers excellent value for its members and any surplus funds are used to benefit members by continually improving services, security and reducing charges.

Crystal uses a range of pensions experts to manage the operation including a dedicated independent board of Trustees and advisors who all act independently from the Trustee providing impartial advice.

All UK Master Trusts, like Crystal, have to apply to operate and prove themselves to The Pensions Regulator. Crystal is proud to be among the very first to be authorised, a display of the excellence applied to looking after its members.

Crystal provides easy to understand options and benefits which members can access through a secure online account. Crystal engages with its members so they can see the advantages of saving for retirement and provides uncomplicated decision pathways.

A lifetime of saving deserves support even beyond retirement. Crystal provides flexible options in retirement allowing members to take their money how they want through the Crystal drawdown options.

Crystal offers a range of top performing investments including ESG focussed Target Date Funds and a diverse Lifestyle together with a range of Self Select Funds. All investment offerings are overseen by the independently appointed Investment Consultant and Trustee Board.

Our Message to You

Times are changing.

Your responsibilities are changing.

What it means to be an employer is changing, constantly.

We know you know this already, but have you ever actually stopped to think about how many responsibilities you have as an employer, besides the usual operating of your business? How much you have to do, just to stay on top of your duties?

In an ever-developing society, the list of responsibilities for a business continues to grow. As an employer, your duty is not only to pay your staff, but to protect them, take care of them and treat them fairly. We know how important it is to keep up with these duties, but we also know how hard it can be for you to balance these responsibilities with the ongoing running of their business. With business dynamics constantly in a state of flux, we know that the pressures of running a business can be huge.

As you know, we’ve been supporting you with your auto-enrolment for some time. But we wanted to go further. We’ve been hearing about your needs. After all, to talk about one employer responsibility is to talk about all of them and since we made ‘Supporting Employers’ our goal, we knew we needed to do more.

You’ve been talking…

                …so we’ve been listening.

We are very proud to announce


At OPTESS, our goal will be to provide you with all the tools you need to fulfil your employer responsibilities, leaving you to get on with the important stuff – running your business.

Now don’t worry, we’ll still be continuing with all our auto-enrolment support. Auto-enrolment is, and will always be, a key part of what we do (we hope you saw our recent communication about the updates we’re currently making to Root).  In addition to this, we will be providing you with a raft of new services, all designed to help you with the ongoing running of your business. These services are designed around your feedback, everything you’ve told us about the frustrations of being an employer in the UK. Over the next few months, we’ll be updating you on our new services, so stay tuned for more news.

Finally, we would like to take this opportunity to thank you for the support you have given us. It is only through your feedback and support that our new venture has been made possible. We hope to receive your continued support and that you will be as excited by our new services as we are. If you have any immediate questions or concerns, please let us know on 0203 633 6229 or [email protected].  

We’ll be in touch again soon.

Kind Regards,