Here you’ll find helpful information about the Collective Plan, created just for you. This website and the Collective Plan’s Handbook have been written with you in mind. They don’t give you any legal rights. Both the website and Handbook have been designed to give you some basic information about the Collective Plan, without getting into the kind of detail where you need to be a pensions expert or a lawyer to understand it. Sitting behind the website and Handbook is something called a ‘Trust Deed & Rules’. That’s the document that gives you legal rights, and it’s far more technical – it needs to be because it’s the legal document that governs the Collective Plan. It can change from time to time, so you need to check that you’re looking at an up to date version, and you can refer to it alongside this website and the Handbook. You can download the latest version here:

Here you'll find the AVC Handbook and the Fund Guide. This is only applicable to you if you choose to pay AVCs.

Here you’ll find information that explains the nuts and bolts about the Collective Plan. These documents tend to be a bit more complex, as they’re legal documents that are needed to meet the requirements of running a pension scheme.