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Guide Campaign topics and content

You can find important topics and key messages to add into your campaign below.

If your scheme is new to Aegon, we want to make sure members know all about their new workplace retirement savings right from the start. This is arguably the most important time for getting members engaged.

Welcome toolkit

We take you through the initial member journey in this welcome toolkit - so you'll be aware of what your employees will get at every step of the way.

We've created a suite of material to help you launch and promote your scheme. Including posters and digital assets you can access and download to help welcome scheme members.

Download our toolkit

Scheme information leaflet

Access the editable template to create your Scheme information leaflet. This leaflet can be shared with the Scheme announcement email you'll find on page six in the Welcome toolkit. 

Introduction to workplace savings video

This video cuts through the complexity of workplace savings and grabs attention with relatable and easy-to-understand content. Could be played at employee sessions, or add a link to it in other communications. 

00:00:00 - 00:34:07

So let's talk about the benefits of your workplace pension. Honestly, it's not that boring. It's actually quite simple. It's your employer or trustee that does the legwork as well as contributing some money. And it's all for you. Often it comes straight from your salary so you don't even notice. Essentially, it's extra money. Here's an example. You put in 40 pounds your employer puts and 30 pounds tax relief on your contribution.

 

00:34:07 - 00:53:03

Adds another 10 pounds. Thank you. So that comes to a total of 80 pounds doubling what you put in. The earlier you save, the larger your savings could be, because your investments could have more time to potentially grow.

 

00:53:05 - 01:15:15

No, it's never too late to start. Unless you've retired, that is. Retirement may seem a long way off. But trust me, it's never too early to start saving. Getting started early will give you the best chance of having the lifestyle you want. After all, the finer things in life don't have an age limit. Let's not forget about people still in work.

 

01:15:17 - 01:37:06

Like me, for example. Let's see what I already have in mine. See if I want to add some extra to it. It's simple. I can just check online. It's easy to see what you've got using the online tools to make sure you're on track. It just so happens I'm happy with mine. I know what you're thinking. It's complicated getting started right?

 

01:37:08 - 02:01:00

Wrong. Saving into your workplace pension is simple. Support is available online through webchat or a quick phone call away for free guidance. Sure, you can opt out but that means losing out on your employer contributions so you can wave goodbye to that extra money. It's hassle free, so all that admin you may fear,

 

02:01:02 - 02:25:22

It's all done for you. All you need to do is agree to remain part of the scheme. So it's really not complicated, not confusing and certainly not something you should be putting off till a later date. Oh, hey. Oh, and one last thing. Remember, it's your pension, which means you own it. So you can choose how much you wish to put in, the investment funds and the retirement options when you come to retire.

 

02:25:24 - 02:29:16

A bit like Harry over there.

 

02:29:18 - 02:50:11

Each to their own. Oh, and don't be worrying about what to do next. Aegon will be in touch to guide you the rest of the way. But in the meantime, if you do have any questions, just speak to HR. See, I told you it wouldn't be boring. 

 

 

Activating their account not only gives employees an instant control over their savings but also a reminder you value them by paying in too.

Key messages

The benefits of being online, such as seeing how funds are growing, checking if savings are on track, increasing contributions, changing investment choices and using online tools.

It can really get them thinking about:

  • If they should they be paying in more.
  • Are they in the right investment funds.
  • Should they combine other plans with other providers.
  • Those considering opting out may change their mind once they see the value of their account.
  • Getting them to use online tools and calculators.

Help employees activate their account

You can use the sample copy to create emails, newsletter content, intranet articles  or on benefits sites. Or why not add to a manager briefing.

Our mobile app allows members to view and manage their workplace pension and savings on the go. 

Key messages

The app allows members to view and mange savings securely – helping them stay in control of their finances.  With instant access to all their important savings information as well as being able to see fund balances, contribution details and a breakdown of their investments.

They’ll have access to educational content and videos in the Knowledge hub, which aims to educate and empower members on the key areas of retirement planning.

Our promotional pack

Download our promotional pack to help you with your communications with your employees. Our promotional pack includes:

  • Poster  - you can print this off and put up in your high footfall areas or at employee events. 
  • Sample copy - use this to create an email, or included in a newsletters, or on your intranet/benefits site. 
  • Digital assets - including screensavers or add one of our digital banners to your intranet.

Why not share our video with your employees,  you can use this link - https://vimeo.com/432150928

Actively managing their plan can help members make the most of their savings and maximise the chances of seeing their savings grow over time. Regularly reviewing their retirement goals and considering their options in advance can also help them feel more in control - giving you reassurance you've helped keep your employees retirement plans are on track.

Key messages

A pension pot could be the most valuable asset when reaching the time to access retirement savings. Retirement savings are a long-term strategy - investments can go down as well as up affecting the value.

Help employees review their retirement savings

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

The amount your employees contribute to their pension will determine the type of lifestyle they could have in retirement. That's why it may be important for you to encourage members to review their contributions - even paying in a little more could make a difference.

Key messages

Make sure employees realise that it's not just their own contributions going into the plan they'll also benefit from your employer contributions and tax relief. Plus, salary sacrifice may add even more value. If they’re able to contribute more (within HMRC limits), and you offer matching contributions, you’ll match their increased payments. This would make their overall salary package even more valuable. Also, if contributions increase with age or grade and what happens if they opt-out of the pension.

Help employees review their contributions

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

Investment choice is a key decision for retirement planning. It's important members are happy with the fund(s) they choose and that you encourage them to monitor their savings throughout their working life, particularly as they get closer to retirement.

We offer various options for members depending on their preference for how they want to manage their investments. 

Key messages

Details about the default investment fund and performance, the availability of other funds, and that it's possible to switch funds with free switches on offer.

Help employees review their investments

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

Investing: The basics

A video guide to help members review their investment funds.

00:04

Whether you’re saving for retirement, a child’s education or a dream holiday, the funds you invest in can make a big difference to how your savings grow.

00:14

When choosing which funds to invest in, it’s important that you understand what you need the outcome to be, and find the funds that can help you achieve your goals. For example, you should think about:

00:26

What do you need from your investment?

00:28

How much do you need your funds to grow to meet your saving needs?

00:32

What’s your risk appetite?

00:34

All investments carry some degree of investment risk, and may fall as well as rise. Generally speaking, riskier funds have better long-term growth potential than less risky funds, but they’re also more likely to fall in value.

00:47

Less risky funds are less likely to fall in value, but the downside is that they tend to grow more slowly.

00:54

In all cases the value of your investments can fall as well as rise and you may get back less than you invest.

01:02

So, you’ll need to work out the balance between risk and growth potential that’s right for you. You could take some financial advice to help you with this.

01:09

Do I need to invest long term or short term to reach my goals?

01:14

If you’re investing for the long-term, say ten years or more, you may be more prepared to weather some market ups and downs in the hope of achieving greater long-term returns. But if you need to access some, or all, of your money in the near term – for example – if you’re taking an income from your retirement savings – you’re likely to be more concerned about short-term falls.

01:35

Once you know your investment needs, the next step is to find the funds that best match them. Investing in a mix of different funds will mean you aren’t relying on the success of one region or investment type alone.

01:48

Fund factsheets and Key Investor Information Documents are a great place to start to find out about each fund. They'll tell you everything from what type of fund it is, how it's managed, its past performance and how much risk it takes. You can read these on your customer dashboard by selecting the fund you're interested in.

02:08

Please remember that the value of investments can fall as well as rise and you could get back less than you invest. So, if you’re at all unsure about what to invest in or would like to talk it through, you should get some financial advice or guidance.

Whether employees have already worked at a few places, or just starting out, chances are they'll accumulate a few different pension pots throughout their career.

Combining pension pots isn't right for everyone, and there are important things to check and consider. Together we can help members decide what's right for them and their future, if they decide combining their pensions pots is right for them, we're here to help them take the next step.

Key messages

Bringing savings with different providers together in one pot may make all-important retirement savings easier for employees to manage. They may be paying more by having multiple pots elsewhere and there's no cost from Aegon for them to transfer. Members should contact Aegon Assist or a financial adviser if they're not sure about their options.

Help employees combine their pension pots

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

When using these digital assets, include this url when embedding online: aegon.co.uk/consolidation

We all like to have control over our finances for when we're around to enjoy them, but members need to think about what will happen to their retirement savings should they die.

If this were to happen before they accessed their pension pot, the full value of their account would be considered to provide a cash sum to their beneficiaries.

Key messages

Members should complete a nomination form to let us know who they'd like to receive any benefits which may become payable on their death (if they haven't already). Any existing nomination forms for other schemes they have with us won't be taken into consideration. It's a good idea to review nomination(s) from time to time, so it accurately reflects their wishes and takes into account any change in circumstances.

Help employees nominate beneficiaries

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

More ways to save gives your employees the option to save through our Aegon Stocks and Shares ISA. 

Key messages

Employees can access this through their TargetPlan online services. Once open, they can manage their ISA and workplace pension together in one place.

Help employees with More ways to save

This content can be used to create emails, newsletters, intranet, or benefits site content, added to an agenda for a team meeting or employee conference. 

To help bring Money:Mindshift to life in your workplace, we’ve created a suite of ready to use digital assets that support the ongoing conversation around financial wellbeing.

These assets are designed to be flexible, making it easy to integrate financial wellbeing messaging into existing communications and wellbeing calendars.

By hosting and sharing these digital assets you can:

  • Normalise conversations about money
  • Encourge reflection and positive behaviour change
  • Support employees to make choices that align with what matters most to them

Access your campaign pack:

Getting started

  1. Launch the conversation
    Use our resources to introduce Money:Mindshift and open up conversations about money.
  2.  Keep momentum going
    Share posters, e-cards and prompts throughout the year to drive engagement and help employees shift their behavioural habits.
  3.  Embed financial wellbeing into culture
    Position Money:Mindshift as an ongoing part of wellbeing, not a one-off campaign.

Where your scheme charge is less than you previously paid, you could use this campaign to let members know.

Key messages

Lower charges could mean your members pay less charges and could mean more may be potentially paid into their savings pot. Help your employees think about the potential benefits of having all their workplace savings in one easy-to-manage place.

Help employees feel more informed about lower charges

This copy content can be used to create emails, newsletters, intranet or benefits site content, added to an agenda for a team meeting or employee conference.

Lower charges poster for TargetPlan
Lower charges flyer for TargetPlan
Lower charges flyer for Aegon Master Trust