Nest

Nest, a workplace pension scheme with online member services

Nest operates a workplace pension scheme whose services are organised around four areas: pensions in general, the member's own Nest pension, investment of pension savings and retirement. The scheme can be joined through an employer, as a self-employed person or through divorce settlements, and members can also opt out. A member area gives access to an online account, with a dashboard, profile editing and a mailbox, and the site distinguishes between member, employer and adviser audiences.

Contributions, transfers and statements

The scheme covers contributions and fees, including third-party contributions, and provides reasons to check the annual statement. Members can transfer pension pots into Nest or move their money out of Nest. The site also addresses what happens to a pension on death.

Investment approach and fund range

Nest explains how it invests members' money and describes its approach to responsible investment, alongside educational material on inflation, risk and long-term investing. The fund choices listed are the Retirement Date Fund, Higher Risk Fund, Ethical Fund, Sharia Fund, Lower Growth Fund and Guided Retirement Fund, and the site offers a comparison of fund performance. It also indicates who manages the money.

Retirement options

At retirement, the scheme presents the Nest Guided Retirement Fund, self-managed options and options from other providers, together with information on pensions and tax and on the member's Nest retirement date. Planning tools include a three-step pension check, a calculator for retirement income and guidance on deciding what kind of retirement to aim for.

Service interruption

At the time of writing this profile, the Nest website and mobile app were temporarily unavailable due to planned maintenance, with services expected back on Sunday 18 October 2026. During the interruption, the organisation directed users to a telephone line for assistance.

Corporate information

The site links to material on how Nest is run, who runs Nest, Nest Investments, a library, careers, press and media, press releases, news and views, resources for journalists, and policy papers and consultations. It also publishes a modern slavery statement and an accessibility page, and offers a Welsh-language version.