Pensions

A smart, sustainable pension that works for everyone.

At Stratagem, we provide a next-generation pension solution designed for the modern workforce and the forward thinking employers who support them.

Our all in one platform combines workplace and personal pensions into a single, easy to manage account. Employees can take their pension with them as they move between roles, while you benefit from a streamlined, fully digital experience for contributions, transfers, and reporting.

With a strong focus on sustainability, our default investment strategy excludes harmful industries like fossil fuels and tobacco helping your business align with ESG goals and demonstrate responsible governance.

Stratagem is:

Flexible for your employees

Efficient for your payroll and HR teams

Built to deliver long-term value for your organisation

Switching is simple. Support your people’s financial future while modernising your pension offer, partner with Stratagem today.

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For Businesses

  • Fully compliant with Auto-Enrolment

  • Fast setup and minimal admin

  • Employees self-manage their pensions

  • Sustainable investment options by default

  • Save on National Insurance through salary exchange

As A Business you will..

  • Stand out as an employer – Offering a modern, sustainable pension helps attract and retain talent.

  • Reduce admin – Our platform handles the heavy lifting, with employees managing their own pensions.

  • Save money – Use salary exchange to reduce employer National Insurance contributions.

  • Show responsibility – Support your ESG goals with default sustainable investments.

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For Employees

A pension that stays with you - wherever you work.

  • One account for life: works across jobs and self-employment

  • Manage everything in one app: track savings, investments, and transfers

  • Responsible investing: ESG-focused, with no fossil fuels or harmful industries

  • Combine old pensions easily

  • Receive full tax relief automatically (25% top-up from the government)

You control your pension. We make it simple.

As an Individual, you will have..

  • One pension for life – Combine old pots, use it across jobs and self-employment, and keep full control.
  • Better visibility – Easy tracking, projections, and management via app or web.
  • Smarter investing – Our funds grow with you and avoid harmful industries.
  • More than the minimum – Tax relief is added automatically, and employees can contribute more if they choose.

Why Choose Stratagem Over a Basic Pension Provider?

Basic pension providers often focus only on meeting legal requirements. Stratagem goes beyond compliance to offer a pension that truly works for both employees and employers. Stratagem provides a flexible, digital pension that combines workplace and personal savings into one sustainable account. Easy to manage, portable across jobs, and built for long-term growth with benefits for both employees and employers.