The Wolters Kluwer Pension Scheme
A new home for your workplace pension savings
From January 2026 your workplace pension plan will be the Wolters Kluwer Pension Plan. On this website you will find all the information about your new plan and help you with your future retirement savings and plans.
This information is not a personal recommendation for any particular investment, you are responsible for deciding whether an investment is suitable for you. In doing so, please remember that past performance is not a guide to future performance, the performance of funds is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. You should regularly review your investment objectives and choices and if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser.
FAQ's
This Q&A section provides information and answers to some of the most commonly asked questions about workplace pensions.
A pension is a tax efficient way of saving for your retirement. You and your employer can contribute and there is also tax relief on your contributions from the government. For more information, please click here to find out all about your workplace pension.
There is a ‘Key Features Document’/’Your Plan Explained’ booklet on PlanViewer to help you navigate to everything you need to know about the Wolters Kluwer Group Personal Pension Plan (the ‘Plan’). Here you’ll find all the important information you need to help you decide whether the Plan is right for you.
As a member of a workplace pension administered by Fidelity, you can leave it up to the experts to make investment decisions for you or self-select and manage your investment choices yourself. For more information, please click here to find out all about your workplace pension.
Your contributions are automatically invested for you in the Plan’s default option, which is the FutureWise Target Date fund. If you wish, you can change this and choose your own investment choice by self-selecting investment funds from the range available. Please click here to find out all about your workplace pension.
Over your working life, you may build up savings in several pension plans. This could be through changing jobs, leaving employment or switching to a personal pension. When this happens, you have different options to consider. It's important to understand that pension transfers are a complex area and my not be suitable for everyone. For more information, please click here to find out all about transferring your other plans.
Visit your PlanViewer account to read more – go to ‘Manage my plan’ and ‘Transfer other pension to Fidelity’.
PlanViewer is your secure 24/7 online pension account. You can view your account balance which is updated daily, contributions paid in by you and your employer plus fund fact sheets are available, you can switch investments and transfer pensions online and the latest versions of your plan literature. You can access PlanViewer online or via the PlanViewer app. For more information about PlanViewer and the app, please click here.
Our tools and calculators can help you work out how healthy your finances are today and give you an idea of how much you may need to save for tomorrow. Our Retirement Calculator can help you understand how much the lifestyle you'd like in retirement will cost and if you're on track to achieving it. You can also visit our tools and calculators page here to access the full range of our planning tools.
Yes – The annual allowance is the limit on how much you can save into your pensions each tax-year while still benefiting from tax relief on your contributions, any employer contributions and any contributions made on your behalf by someone else. Find out more about annual allowance.
The tapered annual allowance further limits the amount of tax relief high earners can claim on their pension contributions by reducing the annual allowance. Read more about how this might affect you and the steps you can take to make your contributions more tax-efficient. Find out more about the tapered annual allowance
Once you begin taking taxable money from your pension pot using pension freedoms, generally you will be subject to a reduced annual allowance that limits the tax relief that you can receive on future contributions. Find out more about how and if this might affect you. Find out more about the money purchase annual allowance.
Finally, there is the lump sum allowance – or LSA - The LSA is one of three allowances that were brought in on 6 April 2024 to replace the lifetime allowance (LTA). The other two are the lump sum death benefit allowance (LSDBA), which affects the beneficiaries of someone who dies before the age of 75; and the overseas transfer allowance (OTA), which affects those who want to transfer their pension overseas. Find out more about the lump sum allowance.
To understand costs associated with investment strategy and how this may affect your pension value, please click here.
For specific costing information around your pension savings account, please login to PlanViewer and refer to the appropriate fund fact sheets for your investments.
If you leave your job, any contributions being paid into your workplace pension will stop. Your pension will remain invested until you’re ready to take your benefits. The minimum age you can normally access your pension benefits is currently 55 but is due to rise to 57 on 6 April 2028. It will still be up to you to decide what you want to do with it in the meantime. You may want to work out how much you need to save for your retirement before you decide what to do. For more information, please click here to find out all about transferring your other pension accounts.
Your plan for your retirement will depend on how much you have saved, your age when you want to retire and the type of retirement you want to enjoy. We can help you to understand what you might need to support the retirement you want; whether you’re on track for it; and what income options might suit you. For more information, please click here to find out all about planning for your retirement.