We do the work so you get a pension that works for you

The value of your investments can go down as well as up, so you may get back less than you invest. For UK residents only. We will manage your investments in your pension on your behalf. This means you will not be able to buy or sell specific investments.
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Which? Recommended Provider for Self-Invested Personal Pensions

“A simple way to invest, at a fraction of the cost of its rivals”

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Saving for retirement made simple

Ready to save for your retirement but not sure which investments to pick? Or just want someone else to take care of it?

We can do it for you in our Personal Pension. You get all the tax benefits of saving into a pension without having to choose and manage your own investments. 

We pick your funds based on how you feel about investment risk and when you plan to start taking money from your pension. 

Then we make sure your investments stay at the right risk level for you, every step of the way.

Open an account in 3 steps

1. You answer a few questions

We’ll find out how you feel about risk and how much you want to invest. 

Get started with a minimum £500 investment. You can also add a monthly payment from £100 if you want to.

Or you can get started by transferring a pension to us. There’s no minimum transfer value.

2. You get an investment plan

We’ll match you with one of 5 portfolios.

You’ll also get to see how your money could grow over time.

3. We do the rest

We’ll monitor your investments regularly and make changes to keep you to the right level of risk.

We’ll gradually reduce your risk as you get closer to the age you plan to start taking money from your pension.

Finding the right level of risk – for you

It’s important that your investments match how you feel about risk.

You might be happy taking more risk so your pension could grow more. Maybe you prefer less risk as you’re more interested in protecting your savings. Or you might be somewhere in the middle.

So we ask you a few easy questions when you apply online to find out how you feel about risk. Then we match you with one of 5 portfolios. Each is tailored to a different risk level and made up of low-cost index funds.

See how your money could grow

Your investment plan is based on how you feel about investment risk, when you plan to start taking money from your pension and how much you’ll invest.

It will match you with one of 5 portfolios and tell you what your pension could be worth when you start to take it.

Sticking to the plan, every step of the way

We check your investments regularly and rebalance your portfolio if it’s not at the right risk level for you. This is important as changes in the market can affect your investments.

Guiding you towards retirement

As you approach the age you plan to start taking your pension, we make sure your mix of investments is less risky. This is because they’ll have less time to recover their value if there’s a dip in the market.

Over 45 years of experience, just a phone call away

If you need to speak to someone, our investment experts are here to help. Whether it’s a specific question about your investments, or to talk about the latest market events.

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Why choose us

Straightforward

We work out how you feel about risk and match you with the right investments.

Then we monitor everything and make changes when needed.

Over 45 years of experience

We’ve been taking a stand for investors for over 45 years. Now over 50 million clients worldwide invest with us for their future.

Value to investors

That’s real human support and expert investment management, all at low cost.

We keep our fees low so you keep more of your returns.

Check if this could be right for you...

You can make a minimum single payment of £500 or start a transfer to set up your Personal Pension. There’s no minimum transfer value.

You do not want to take money out of your pension for at least 5 years.

You plan to remain a UK resident for at least a year.

You are happy for us to choose and manage your investments for you. You will not be able to buy and sell investments yourself.

You do not plan to use the whole of your pension to buy an annuity. An annuity pays you a retirement income for a fixed period or the rest of your life.

Important things to know

Are you more of a hands-on investor?

You can pick your own investments for your Personal Pension. Choose from our full range of over 85 or keep things simple with a ready-made portfolio.