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

Non-Salary Sacrifice

If you are not paying contributions via Salary Sacrifice, they will be classed as relief at source contributions meaning that both you and Fisher make contributions. Your personal contributions are made after tax with national insurance contributions (NICs) and income tax deducted from your base salary pay. When your contribution is made to L&G, they will automatically reclaim basic rate tax relief for you. If you are a higher or additional rate taxpayer you will need to claim the additional tax relief back from HMRC. More details on this can be found on L&G’s website.

  • Salary Sacrifice

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

  • Non-Salary Sacrifice

    If you are not paying contributions via Salary Sacrifice, they will be classed as relief at source contributions meaning that both you and Fisher make contributions. Your personal contributions are made after tax with national insurance contributions (NICs) and income tax deducted from your base salary pay. When your contribution is made to L&G, they will automatically reclaim basic rate tax relief for you. If you are a higher or additional rate taxpayer you will need to claim the additional tax relief back from HMRC. More details on this can be found on L&G’s website.

*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.

Investment Options

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 at any time.

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

Core Funds

To simplify your selection process, Fisher’s Portfolio Management Group (PMG) have curated 10 L&G Core Funds from the wider L&G fund range, chosen using rigorous criteria including long-term performance, diversification and charges.

You also have access to L&G’s wider investment range (~80 funds). These Core Funds are not personal investment advice but are designed to make it easier for members to choose where their pension is invested.

View Fund Details

Group Self-Invested Personal Pension (Group SIPP)

For those looking for greater investment choice*, the new L&G Group SIPP provides access to investment options** beyond L&Gs standard fund range. For more information on how to open an account, please click here or contact worksave@landg.com.

*Trades subject to Compliance approval and trading restrictions. Please contact Law & Compliance Department for details.
**Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.

Learn More
Man in blue sweater looks at tablet while walking

Default Fund

If you do not wish to actively manage your pension, you can elect or be auto-enrolled into the PMG-selected L&G default fund.

View Fund Details

  • Core Funds

    To simplify your selection process, Fisher’s Portfolio Management Group (PMG) have curated 10 L&G Core Funds from the wider L&G fund range, chosen using rigorous criteria including long-term performance, diversification and charges.

    You also have access to L&G’s wider investment range (~80 funds). These Core Funds are not personal investment advice but are designed to make it easier for members to choose where their pension is invested.

    View Fund Details

  • Group Self-Invested Personal Pension (Group SIPP)

    For those looking for greater investment choice*, the new L&G Group SIPP provides access to investment options** beyond L&Gs standard fund range. For more information on how to open an account, please click here or contact worksave@landg.com.

    *Trades subject to Compliance approval and trading restrictions. Please contact Law & Compliance Department for details.
    **Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.

    Learn More
  • Man in blue sweater looks at tablet while walking

    Default Fund

    If you do not wish to actively manage your pension, you can elect or be auto-enrolled into the PMG-selected L&G default fund.

    View Fund Details
Learn More

Find answers to your Group Personal Pension questions in our comprehensive FAQs and Legal & General Pension Hub.