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Bridge to Clara

Future-proof your scheme with a secure, capital-backed plan to join Clara when you’re ready.

Diagram showing a funding level that is only at 80 percent

Who is Bridge to Clara designed for?

Schemes that are still in their funding journey – and do not have the assets or contribution available for a full transfer to Clara – but want to move toward a secure, capital-backed endgame now.

A diagram showing how Clara provides buffer capital to guarantee investment performance, enabling schemes to grow assets in a low-risk environment.

How does it support the scheme’s funding journey?

Clara provides buffer capital which is used to guarantee the investment performance. This allows schemes to grow their assets in a low-risk, controlled environment, so they’re ready for a smooth transfer into Clara when the time is right.

An image outlining the elements of the 'Bridge to Clara' agreement, including agreed investment guidelines and defined funding targets leading to automatic transfer upon meeting objectives.

What does the agreement include?

Agreed investment guidelines and a defined funding target. If those targets are met – typically over 5 to 10 years – the scheme transfers into the Clara Pension Trust automatically, with all benefits fully protected.

A graphic explaining that if a scheme doesn't transfer, Clara still guarantees investment returns up to the provided capital amount, ensuring the scheme retains an improved funding position.

What if the scheme doesn’t end up transferring?

Clara still guarantees the investment return up to the amount of the provided capital – so the scheme is unlikely to be worse off. It keeps the improved funding position and the trustee remains in control of its future options.

How can I explore whether my scheme qualifies?

Contact [email protected] for a discussion about your scheme’s journey.

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We secure benefits.
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