Expect more from a Master Trust

At Scottish Widows we value building strong long-term relationships with our customers and work closely with both employers and advisers. Our flexible proposition means that we can offer support in ways that suit different employers and complement the work of advisers.

We’re one of the largest pension providers in the UK, managing schemes for companies of all sizes, across all sectors. We understand that workplace savings is a complex market and our strength is in supporting our customers, putting them at the core of everything we do. The Scottish Widows Master Trust is aimed at medium to large sized employers and for both their active and deferred members during their working life and through retirement.

The Scottish Widows Master Trust is authorised by the Pensions Regulator.

Explore Scottish Widows Master Trust

Learn more about our Master Trust and its benefits for employers and employees. Our product guide explains how the Scottish Widows Master Trust could meet your needs.

We provide

Strong governance

An independent trustee board responsible for scheme governance and oversight, ensuring the scheme is run in the members’ best interests and helping them achieve good retirement outcomes.

Responsible investments

Our Responsible Investment Framework is independent of the burden and bias of any in house fund manager with a best of breed fund range. It offers off the shelf default or bespoke capability.

Excellent service

One of the cornerstones of our reputation has been our delivery of personal service, tailored to our customers’ needs. We provide end to end administration systems and services with dedicated support when you need it.

Member engagement

We have a multi-channel offering which uses face to face, digital and traditional engagement approaches tailored to meet member needs.

Should you require further information:


Advisers can contact us here or call us on 0345 769 7577.

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Employers can contact us here.

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Members can access more information by logging into their retirement account via our secure member portal or by calling us on 0800 085 4993.

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Our Approach to responsible investment

In this short Q&A, Head of Pension Investments Maria Nazarova-Doyle outlines our approach to responsible investment.


Taking on Master Trusts

Andrew Warwick-Thompson, Chairman of the Master Trust Trustee Board, Graeme Bold, Scheme Strategist, and Sharon Bellingham, Master Trust Lead, provide an update on the Trustee Board and discuss the future vision and strategic plans for the Scottish Widows Master Trust.