• See Staff Payment Practicalities for explanation of pension issues, who has to provide stakeholders etc.

Schemes targeted at voluntary sector

• The Pensions Trust is the only pension provider working exclusively with the voluntary sector. There is a specific scheme they manage for NICVA/northern Ireland charities, for instance. Email: enquiries@thepensionstrust.org.uk. Verity House, 6 Canal Wharf, Leeds, LS11 5BQ, phone 0113 234 5500.

• Kingsworld Walder may still have a Voluntary Sector Stakeholder pension scheme (the specific web site has gone). Phone 0800 092 018.

• NCVO (National Council for Voluntary Organisations) launched (2001) a stakeholder pension scheme in partnership with Friends Provident. Fund charge of 0.85% and a choice of unit-linked investment funds (including ethical). Details from Friends Provident Pension Solutions Direct on 0800 169 4826, email: PSD@friendsprovident.co.uk - quote NCVO.

• Nurture, 'the stakeholder pension for charities and non-profit organisations', has been developed by Regent Pensions Management with Norwich Union. Currently charges are 0.8%, with reductions as funds increase. One College Hill, London, EC4B 4HQ, phone 020 7248 7002, email: charity@regentorg.com

Other schemes

• TUC has both published Stakeholder information on the web, for union reps, employees and employers, and come up with its own scheme.

Glossary

IFA - Independent Financial Adviser