If you do not want to contribute to the scheme, you will need to Opt-Out. You must Opt-Out by logging into the Smart Pension portal and completing the Opt-Out form. This can be found by choosing Profile details and Manage Membership on the portal. You will be issued a full refund of your employee contribution if you Opt-Out within 1 month of being a member of the pension scheme. Should you Opt-Out after 1 month of being enrolled your contributions will be invested until you access them at retirement or transfer them.