You asked, we answered
Although we know a big chunk of you are experienced and pension-savvy, it’s not everyone’s cup of tea. So we thought we’d collate the things we get asked the most here just in case it’s helpful.
How do I log into OneView?
If you’re reading this right now the easiest way is to click here and follow the onscreen instructions. We’ve also added links to OneView at the bottom of every page in this newsletter – take a look!
Otherwise it’s always good to bookmark our Fund website pensions.uk.mmc.com and click the Log in to OneView button at the top of the page.
I have left MMC and can’t remember my OneView login details – help!
Your user ID is usually your old Marsh McLennan employee ID. If it was less than six digits long, you’ll need to add as many zeros as it takes to make it six digits long. For example, if your employee ID was 456, your OneView user ID would be 000456 (unless you’ve previously changed it).
If you’ve forgotten your passcode, you can reset it on OneView.
Sometimes it can be easier to just contact the Fund Administrator, Aptia at pensionuk.aptia-group.com or call them on 0330 100 3597 (Monday to Friday, 9am to 5pm).
Where do I go to find my personal documents?
When you log in to OneView and click on the blue ‘View details’ tab you’ll see your personal Fund-related benefits documentation, which includes your investments, your contributions, and your current and previous annual benefit statements.
How can I review and update the funds that my DC savings are invested in?
Log into OneView and click on ‘View details’, then:
Step 1
Click on ‘View investments’.
Step 2
Scroll down the page and click on ‘Investment choices’.
Step 3
Click ‘Select Lifestyle Strategy’ to check and change your investments in this strategy, which is set as the default.
Step 4
Alternatively, click ‘Select Freestyle Strategy’ if you manage your investments yourself. We strongly recommend you speak to an FCA-regulated financial adviser before making any major changes to your investments.
How can I check the performance of my investments in the Fund?
Step 1
Log into OneView and click on ‘View details’.
Step 2
Click on ‘View investments’.
Step 3
Scroll down the page and click the ‘View Account Growth’ tab at the bottom.
You’ll see how your Individual Account has changed over pre-defined periods and select a period of your choice.
I’m still working for the Company, and I’d like to pay a bit more into my retirement savings; what are my options?
There are a few options available. You can:
Vary your monthly contributions any time through Prosper.
You could pay more for a few months then revert back or increase your contribution level over time — it’s up to you.
Make a one-off ‘Single Contribution payment’ by completing a form that you can get from the Fund website.
Make a lump sum payment through bonus sacrifice.
You can pay up to 100% of your taxable earnings from the Company into the Fund, and tax relief should normally be available on the full amount.
However, please bear in mind that the Annual Allowance (the amount you can save in all your registered pension arrangements from both your own and the Company contributions) is set at £60,000 for most people for the 2025/26 tax year. It could be as low as £10,000 if you’re a higher earner (known as the Tapered Annual Allowance) or if you’ve already started taking some of your pension benefits flexibly (known as the Money Purchase Annual Allowance).
If you exceed this allowance, you’d be responsible for paying any charges by 31 January in the following tax year.
How do I notify the Fund of a change of address or update my personal details?
Current MMC employees should update their contact details on Workday. Aptia will be notified automatically.
Former employees should go to Contact Aptia Pensions to update their details.
What happens when I leave the Company?
You’ll no longer have any contributions paid into your retirement savings and you’ll have the option of leaving your investments in the Fund until you retire or transferring the value of your retirement savings to another suitable pension arrangement.
I’m considering retiring; what do I need to do?
If you're thinking about retiring, it’s a good idea to review all your pensions and savings to get a clear picture of your finances. We strongly recommend talking to a financial adviser; they can help you understand your options, plan your income, and manage taxes. Getting organised early and planning ahead means you can look forward to this new chapter with confidence.
Our administrator Aptia will contact you approximately six months ahead of your Normal Retirement Age (65 for most members) with details of the ways you can take your retirement savings and the support available.
If you’re think about retiring earlier (you can currently take retirement once you turn 55, changing to 57 from 6 April 2028), you can contact Aptia, who will arrange for a quote and provide you with details of the support available when considering your options.
HELPFUL LINKS
A secure online portal where you can view your retirement savings in the Fund, review your investment options, and use the retirement illustrator to estimate your retirement income.
If you're currently employed by Marsh McLennan, log in with your usual single sign on details.
If you're a former employee, you can access OneView directly with your login details. If you’ve forgotten your credentials or need help logging in, simply follow the onscreen instructions.
The dedicated website for the Fund, featuring pension journey profiles and information about the Fund, including helpful guides on your investment options and retirement choices.
The benefits portal for Marsh McLennan employees, where you can change your pension contribution percentage during any of the monthly windows.
Disclaimer This content is for information purposes only. It does not constitute advice and you are responsible for obtaining such advice. The Trustee does not accept any liability or responsibility for any action taken as a result of solely reading it.
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