Start planning now for a brighter future


The M&S Pension Scheme is a completely separate pension arrangement to Your M&S Pension Saving Plan. So, if you have pension benefits in both arrangements, you don’t have to take the benefits at the same time and the benefits will be paid separately.

Your M&S Pension Saving Plan is a Defined Contribution (DC) plan managed by a Master Trust and is administered by Legal and General.

  • You and M&S pay into the Plan.
  • You decide how to invest your pension savings.
  • The amount of savings you receive will be linked to how much is paid in and the growth of the investments you choose. Your pension savings can go up or down.
  • When you take DC pension savings you will normally have a wider range of options than under a Defined Benefit pension scheme like the M&S Pension Scheme

Visit the Plan website to find out more.