Question your pension

It’s your money – ask where it is going.

1. Ask your pension provider

Pensions are powerful. Your provider probably looks after billions of pounds, paid in by people like you. It’s time to question where that money’s going and what it’s doing for world. 

Here’s an email you can send you can send to your provider questioning what they’re doing to make sure your pension builds a better world.

Ask your provider

Dear provider,

I hope you’re well.

As a member, I’m getting in touch about my pension and the fund choices you offer.

I would like to know more about what my pension is invested in, and specifically, what it is doing to build a better world.

I want to make my money matter and invest my pension with intention. There are three things I would like you to do so I can do this.

1. I would like to know how my money is invested with regard to people and planet and what options I have to increase the positive impact my pension has on the world.

2. I would like you to make clear how environmental, social and governance and climate risks are taken into account in my portfolio, and what your plans are to increase investments that are good for our planet, our society, and our economy.

3. I would like to see your plans to achieve net-zero emissions? Specifically, I would like to be updated on yearly plans for this transition, and whether you are planning to halve your emissions by 2030, to achieve Net Zero by 2050 (in line with Paris Agreement).

I think that people’s pension savings should be building a better world: tackling the climate crisis, reversing environmental destruction and building fairer economies. I know this is the sort of world I want to retire into when I finally draw my pension, and I think most of your members would want that too.

I look forward to hearing what your plans are.

Yours sincerely,

Use this template in my email

2. Ask Your Employer

Chances are, your employer doesn’t know the impact your company pension has, or that you care about it. It’s time to change that – ask them where your money’s going and what it’s invested in.

We’ve written an email you can send to your HR or Finance department asking about your company pension. Let’s question our pensions! 

Ask your employer

Dear employer,

I’m getting in touch about my workplace pension. I’d like to know what impact our pension investments are having, and if that impact is aligned with our organisation’s values?

Through our pension fund we could be investing in things like fast fashion, deforestation, and tobacco. I think it’s important we find out if this is the case.

Can you tell me where our workplace pensions are invested and what they’re doing for the world? And could you let me know what alternative options might be available to us to make sure our pensions are helping create a world we want to retire in to?

If you’d like to find out more about how we could have this conversation please visit Make My Money Matter.

I appreciate your support and hope this conversation will lead to our organisation having a pension we can all be proud of.

Thank you,

Use this template in my email

3. Find out more

The Best Pension Party In Town

We recently hosted the Best Pension Party in Town. There were drinks, celebrities and a whole lot of jokes. And some Pensions stuff. Relive the fun!

The Guilty Feminist Podcast

Listen to our very own Henna Shah being chat to Deborah Frances-White and Sindhu Vee about how to make your money matter for feminism.

Ted Talk from Dr Bronwyn King

Dr Bronwyn King was just starting out as a cancer specialist when she discovered her pension was invested in tobacco. Hear her story.

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