Auto-enrolment: Register for My Future Fund before 31 December 2025

At a glance

• Register for My Future Fund before 31 December 2025.
• Auto-enrolment to commence on 1 January 2026.
• New regulations to be introduced for private pension schemes. 

The countdown is well underway for auto-enrolment, which is set to take effect on 1 January 2026. The administration of the government's pension scheme 'My Future Fund' will be facilitated through the designated portal. Guidance for the registration process is available on the My Future Fund Employer Handbook.

Employers are required to:

• Register on the designated 'My Future Fund' portal before 31 December 2025.
• Select a payment method for contributions.
• Inform employees who have been enrolled of their enrolment date. 

We recommend that:

• An explainer on auto-enrolment and the impact it will have (or not) is sent to all employees regardless of whether they are impacted, in order to pre-empt queries being received on auto-enrolment in the New Year.
• Employers consult with their payroll teams/processes on any impacts auto-enrolment may have. 

The National Automatic Enrolment Retirement Savings Authority (NAERSA) is responsible for administering My Future Fund, and will communicate with employers through the My Future Fund Portal. 

The Government indicated a number of weeks ago that it intends to imminently introduce regulations to set basic minimum standards for private pension schemes, in order to essentially prevent employees from being enrolled in private pension schemes that are less beneficial than My Future Fund.  Nothing further has been published on this to date. 

For further information on auto-enrolment, please see our FAQs article.