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Pension

Saving for retirement is a critical piece of your future financial security, and Fisher Investments Europe is here to help you maximise your potential by offering a pension plan with generous company contributions.

Overview

Your compensation is your livelihood, not just today, but tomorrow as well. We strive to equip you with sound financial features and a retirement you can look forward to through a generous company contribution of up to 14% of base salary, robust investment options and expert planning tools.


Resources

Enrolment and Contributions

Joining the Pension Plan is easy. Automatic enrolment makes it effortless for you to take advantage of the company pension scheme and the contributions Fisher makes to your account. You may also enrol yourself through Workday* if you haven’t been automatically enrolled. After enrolling, you will receive your membership packet in the post.

Once you’re enrolled, Fisher Investments Europe automatically contributes 9% of your base pay towards your pension. To take your savings further, you can make your own contributions, and Fisher Investments will match these contributions up to 5%. This equates to a total company contribution of up to 14% each month!

When can you make changes?

You can change your Pension Plan contribution percentage at any time each month. Any changes you make will come into effect the following month.

*Accessible on Fisher systems

There are two ways you can contribute to your pension:

Salary Sacrifice

This option allows you to lower your tax liability by way of sacrificing (or exchanging) a percentage of your base salary pay. Fisher will then make the full contribution (i.e., your sacrificed portion plus Fisher match) on your behalf.

Non-Salary Sacrifice

This is your default contribution method. This is what the HMRC refers to as “relief at source,” meaning that both you and Fisher make contributions. These contributions are made after tax with national insurance contributions (NICs) deducted from your base salary pay. The tax relief is made at the pension provider.

  • Salary Sacrifice

    This option allows you to lower your tax liability by way of sacrificing (or exchanging) a percentage of your base salary pay. Fisher will then make the full contribution (i.e., your sacrificed portion plus Fisher match) on your behalf.

  • Non-Salary Sacrifice

    This is your default contribution method. This is what the HMRC refers to as “relief at source,” meaning that both you and Fisher make contributions. These contributions are made after tax with national insurance contributions (NICs) deducted from your base salary pay. The tax relief is made at the pension provider.

 

*Adjustment of contribution methods available from 1 October 2026.
**For all eligible new and existing employees starting 1 October 2026 onwards.

Get Started

Visit the Legal & General portal to set up your online pension account, update your personal details, select your beneficiaries, view your fund balance and make fund selections.

Fund Information

Your contributions will be automatically invested in the pension scheme’s default investment option, but you can choose how to invest the money in your retirement account with a wide variety of investment options, which include investment funds and lifestyle profiles. Learn more about your pension.

What’s the difference between a fund and a lifestyle profile?


 

  • A fund is a pooled investment in which people invest their money in the hope of increasing, or protecting, its value. A fund manager chooses where your money is invested and aims to ensure that the objectives of the fund are being met. There is a variety of types of funds. Some invest in equities, others in bonds and cash. You can select several investments to create a personalized investment strategy.
  • A lifestyle profile is an investment strategy that automatically moves your money into less risky funds over a period of time in order to protect your savings as you get closer to retirement. In most cases, a lifestyle profile will also invest your savings in funds that reflect the way you want to take your money when you get to your selected retirement date, such as taking regular income or cash lump sums. If you choose a lifestyle profile, you won’t be able to select any other investments. You will select one lifestyle profile to align with your expected retirement time frame.