Smart Pension — management fees and portfolio review

The Smart Pension add-on shows a snapshot of pension, savings, and insurance products from the pension clearing-house ZIP. After you upload the file you can see estimated management fees, products worth reviewing, and request a no-obligation portfolio review.

Before you start: the add-on must be enabled for your business, and you need to upload at least one clearing ZIP on the Smart Pension data page.

Choose the screen you use in SmartBill:

Desktop

1. Choose Financial Future in the side menu, or open Plugins and choose Financial Future. Inside the add-on this is the Overview tab.
2. Check Portfolio highlights: balances and annual management fees.
3. Under Actions to take, pick the next step — for example reviewing high fees or uploading a missing file.
4. In Your management fees, see estimated yearly cost, potential saving, and products tagged Worth reviewing.
5. Tap Potential saving for a calculation summary and contact form, or Worth reviewing on a product to request a review for that product.
6. Fill in name, phone, and note, then send.
7. You can also open Pension & savings to see fees highlighted on each product.

Mobile app

1. Tap the account photo and choose Financial Future, or open Plugins and choose it there.
2. Check Portfolio highlights and Actions to take.
3. Scroll to Your management fees, then tap Potential saving or Worth reviewing.
4. Fill in name, phone, and note in the contact form, then send.
5. After confirmation, open Pension & savings for the per-product breakdown.

Tax and deposits for the self-employed

The Tax & deposits tab answers two questions: how much the law requires you to deposit to a pension, and how much is worth depositing to a pension and a study fund to save tax this year.

Desktop

1. Inside Financial Future, choose Tax & deposits in the add-on menu.
2. In Your income, check your yearly business profit. It is calculated from the incomes and expenses already recorded. To change it, click Update income & expense estimate and update the yearly estimate.
3. If you also have a salary, click Fill in the credit points questionnaire and answer the salary question. Payslip deposits lower your requirement as self-employed.
4. The legal minimum shows the mandatory deposit for the year, what you already deposited, and what is left.
5. The Pension and Study fund cards show the deposit that gets the full tax benefit, how much more you can deposit, and how much tax you’ll save.
6. For help, click Get help with deposits at the bottom of the tab and send the form.

Mobile app

1. Open Financial Future and tap Tax & deposits in the add-on menu.
2. Check your yearly profit. To change it, tap Update income & expense estimate.
3. Also have a salary? Tap Fill in the credit points questionnaire.
4. Scroll to the minimum, pension, and study fund cards.
5. Tap Get help with deposits to send a request.

You can also get here from the Dashboard: in the Savings & insurance card, click Deposits & saving tips. Every other tile in that card opens the matching Smart Pension screen.

What to keep in mind

• The estimate is based on clearing-house data and is not pension advice.
• Lowering fees is done with the insurer or investment house and requires a licensed agent or advisor.
• If an open request was already sent recently, the system will not create a duplicate and will show that the request was already received.
• Fees are rebuilt from the stored clearing file when you open the overview; re-upload only if the source file itself changed.
• Tax and deposit figures are estimates based on this year’s ceilings. Deposits come from the clearing file and include salary deposits, if any, so upload a recent file. The final split is set in the annual report.

Next steps

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