CERS is an industry wide multi-employer scheme, with an independent Trustee company that removes the burden from employers and provides peace of mind at no extra cost. We are specialists in Retirement Savings and planning for the business you’re in. With over 50 years’ experience designing and managing flexible pension solutions to construction professionals, we are the people to talk to when you are planning a pension arrangement to meet the financial needs of you and your employees in retirement and can provide valuable protection benefits during their working life. Contact us to design an arrangement to meet the unique circumstances of your company.

If you are an Employer or Employee of a Limited Company or a Sole Trader within the Construction or related industries then this is an ideal choice for you.

Formerly known as the Construction Federation Executive Pension Scheme, we have a long history of providing flexible pension arrangements and protection benefits to Employers in the Construction and related industries. With over 50 years' experience in pensions, we've learned to adapt to the ever-changing nature of the industry with a range of flexible options second to none.

In 2012 we rebranded as CERS and re designed our services to meet the changing needs of the membership so that we now offer an increased amount of Investment Fund choices, Lifestyling options and a new website offering online member access.

As it is important for us to meet the particular needs of each Employer and Member, we provide individual pensions solutions for each Member Company.

So depending on what you need we can offer a range of options - for example:

• Normal retirement age can be between age 60 and 70
• There are 7 investment funds to choose from including a default fund and lifestyling options.
• There are no charges on transfers in or out of the Scheme.
• You can choose from various levels of protection which can include benefits on death in service such as a lump sum benefit, a spouse’s/dependant’s pension and a children’s pension.

CERS an industry wide multi-employer scheme, with an Independent Trustee Company which offers an important additional layer of independent protection for employers and employees.  This removes the burden from Employers and provides peace of mind at no extra cost.

The Trustee actively keep themselves informed of investment developments through regular meetings with the investment managers and independent investment adviser and fulfil their Trustee Training requirements..

The investment choices available to members of CERS are as follows:

• CERS Multi Asset Fund 
• CERS Standard Lifestyling Strategy - Default Strategy
• CERS ARF lifestyling Strategy
  
• CERS Equity Fund
• CERS Bond Fund
• CERS Property Fund
• CERS Cash Fund
• The Alternative Asset Fund

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Members who select the default fund will be invested in the Multi Asset Fund until 7 years prior to a Member’s normal or stated retirement age. 10% will be automatically transferred to a combination of the cash and bond funds (75% cash and 25% bonds) in each of the last 7 years.  

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Members will be entitled to four free fund switches each year. Subsequent switches will incur a charge of €50 per switch.  

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Everyone at CERS is committed to providing Members with greater access, flexibility and control of their own retirement savings. Members can securely access personal information which will include up to date account values, benefit statements and projection tools.

To login, Members complete a once-off registration where they will receive their new personal Online Services ID Number, and they will be asked to provide a new password for future logins.

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