| Route | What to consider |
|---|---|
| MyFutureFund | Statutory eligibility, qualifying supplementary coverage and payroll operation. |
| Employer PRSA | Individual contracts, funding flexibility and administration. |
| Master Trust | Trust-based structure, governance and scheme design. |
| Hybrid approach | Different employee groups may require different arrangements, subject to employment, equality and pension rules. |
Begin with a workforce review
Map existing scheme membership, payroll contributions, employee groups and your objectives. An advisor should check eligibility and scheme rules before recommending a design. The online planner highlights discussion topics; it does not certify employer compliance.
Last reviewed: 21 September 2026. Rules depend on your circumstances.
Prepare your workplace discussion
Get useful information before you decide whether to request a personal review.
Use the employer planner ↗Your next step
Let’s make your pension clearer.
We’ll use the information you provide to match you with an advisor from our panel of financial advisors, who will contact you to discuss your needs.