MORE of 13 million people in the UK belong to him, and that takes care of 50 billion £ of your money – but you have never heard of it. National Employment Savings Trust (nest) has increased in the largest pension scheme in the workplace by members of members, with more than a third of UK employees enrolled in it.
It was 20 years ago this year since the government recommended the creation of “lowestorene, national schemes of financial pension savings” in which individuals “automatically enrolled”. This led to the nest set as a public-owned body to invest pension savings by people.
Data shared with Guardian reveals that, to date, some nest speed their money after you turn on employer contributions and investment returns. Who beat what they would make from other savings products such as Isas.
We looked at what the nest works with your retirement savings.
What happens
Founded as a public corporation as part of a government automatic revolution of enrollment, the nest is described as “Biggest ujuper in the UK pensions for more than 100 years“And designed to get millions of more people who pay pension.
Automatic enrollment requires all employers automatically set the conditions in a job where both sides pay money. Even refers to those who employ only one people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ a nanny, some people who employ nanny.
The regime officially started in 2012. years and affects everything in the work between 22 and state pension age earning more than 10,000 pounds per year and does not have the appropriate workplace.
Employers must choose the provider to launch them scheme. This provider takes the money and invests it in order to create yields. Great names employers who use or used, nest to enroll at least some retirement employees include BBC, McDonald’s and Bt.
You may not be in the nest, but if – for example, you have a child or grandchild who started working for the last few years, may have a pension pot for a nest. Most members are 20 to 39 years.
Other providers include pension people, now: pensions and smart pensions – but with more than 13.7 million members, the nest is far the largest.
Investment
Do you have an iPhone? Are you buying on Amazon? Do you use Google? If you have money in the nest, your pension can ride on a wealth of large American companies behind such products and brands.
At the end of March, the first eight retirement fund “Retirement Fund” is: Apple; Microsoft; American Maker of the Nvidia; Owner of Facebook Meta; Investment company Berkshire Hathavai; and Carmaker Tesla.
Some members can be uneasy about how much their money crosses Atlantic, actually helping technically oligarchs such as Elon Musk, Jeff Bezos and Mark Zuckerberg.
It was said, while in global actions, the global action invested in global action, the nest is increasingly switched in investments such as private property (including private capital and infrastructure) and private loans (basically loans for companies).
In Great Britain, for example, everything in all of windshields, including hornea 1 huge project from the east coast of England, and solar farms, including one in reading. He also bought in port operators such as forward, driven by Tilbury and shopping centers like Dolphin in Pooli, Dorset.
Nest recently announced It would help build thousand new homes for rent through connecting with other organizations. Manchester’s new Jackson district was appointed first place.
One interesting job in the undesidential portfolio is deeply green, which uses heat generated by Datacentres to help pools in the UK money and eventually remain open by reducing its costs.
Nests Private markets include five-star loans in Paris and France Cinema Groups and investments in wood – for example, the owner of the forest in Washington State in the United States.
Performance
We have requested a nest to provide performance information, plus figures for how many people who joined the scheme can be borne in their pension funds.
This was based on its calculations on the average annual annual income with full-time from £ 37,000, which of October 2012. year, pensions contributing to retirements each month. The data is based on them saving in the tracking of the default nest pension fund.
An individual would pay in £ 7,605, and their employer is £ 6,172. They received 1,901 pounds of tax breaks to the top – paid in the fund – and used from 5,482 £ of investment growth. LOP OFF Nest of charges – £ 521 in this case – and their fund is worth £ 20.639 (from the end of April this year).
However, a character for someone who uses the “greater risk” nest “for those who are ready to take more risks in hopes of their pot will grow – is £ 21,011. To the option of the Ethics Fund, the number is 19,082.
The dollilla dolls was deleted with the global stock market in early April, after Donald Trump announced care of tariffs, but the markets later gathered, and the good news is that those three numbers are slightly higher than at the end of March.
The nests pension fund submitted a total cumulative return of 199% by the end of April 2025. years, assuming that someone has signed a day, while the Fund for more risk submitted 236%, and the ethical fund of 208%.
The typical global investment fund submitted a refund around 212% in the same period, while typical Europe (including a large fund (including a large fund) submitted 188%, in accordance with the Direct Data Provider Morningstar.
A problem with small pots
Although the nest has more than 13 million members, the latest data showed that more than 9 million of them “did not contribute to members who did not spill their pots. Many are people who started a job and are put in the nest scheme, but then they leave that job for another, leaving their pot behind.
A very rough calculation suggests that the average pension size of the pension may be more than £ 3,800. That covers a wide range of values: while some pots will be significant, others will only have a few hundred pounds in them.
If you are not sure if you have the money you are in the nest, make sure you send you a welcome package soon after your employer puts you in the scheme.
The nest has Page on your site on the recognition of pension pots. You can also call his member of the Help Center at 0300 0200 393, which should be able to help find your nesting order, if you have it.
If you do, you can see it by logging in to your online account – you will need to specify your national insurance number when you first do this.
