Compare UK Pension Services
Compare pension services for self invested pensions (SIPPs) where you can pull your existing pension plans into one place.
Lost track of old pension plans? Service for tracking down plans from previous employments.
Annuity service if you are looking to buy a guaranteed income from your pension pot.
Looking To Retire At Age 55? FREE Guide
FREE Guide – Retiring Early!
8 tips for an earlier, wealthier retirement
Transforming that dream into a reality doesn’t come cheap, how could you afford it? Once you have paid off debts, like it or not, the answer is likely to depend on your pension.
Straightforward guide provides eight tips that could help you to retire earlier than you thought, including:
- The simple formula for how much you should consider investing each month
- How to boost existing pensions
- Understanding the options available at retirement (including the new rules)
This guide is not personal advice. Please remember tax rules can change and the value of the tax benefits will depend on your circumstances. The value of investments can fall as well as rise so you could get back less than you invest. Pensions cannot usually be withdrawn until age 55 (increasing to 57 in 2028).
Self Invested Pension
Take Control of your pension!
A self-invested personal pension (SIPP) is different to a traditional pension. Instead of limiting your investment options, a SIPP opens the doors, giving you more choice in how you invest your money. Like other pensions, the government will still give you up to 46% tax relief on the amount you pay in. Once your money is in a SIPP, you won’t have to pay tax on any gains or income your investments make.- Low cost award winning pension – Fixed fee plan keeps costs down over long term
- Investment choice – Choose from more than 40,000 investments
- Ready made funds and investment ideas – Making it easy to select investments
- Expertise – Research, ideas, and updates to help you with your investment decisions
Compare Self Invested Pension Providers
Ready-made funds, experts’ fund shortlist, over 5,000 other funds, shares and other exchange traded investments
Aviva Charge up to 0.40% of the value of your fund or cash. Fund Manager Charge will depend on the funds chosen. Aviva Share Charge up to 0.4% of their value. Trading charge for shares and ETIs
A low cost award-winning SIPP that gives you a choice of over 40,000 investments; Selected funds; Ready made portfolios.
Sipp fee: £5.99 pm – assets up to £50,000, £12.99 pm – assets over £50,000
Offering commission-free DIY investing from a choice of 700 ETF’s, or low-cost professionally managed income or growth portfolios built for you
Sipp fee: 0.15% for your InvestEngine SIPP, capped at £200 per year, plus the costs of your investments — commission‑free for our DIY portfolios, or add a Managed portfolio for 0.25% a year
Build your investment portfolio from over 12,500 investments, from stocks and shares, funds, ETFs and more
Sipp fee: Low platform fee is a maximum 0.30%
A wide choice of investments, including over 2,000 funds, shares from 25 markets, ETFs, investment trusts and more
£0 – £250k: 0.25%
£250k – £500km: 0.1%
Over £500k: FREE
Low-cost personal pension from award-winning provider Bestinvest. Choose from thousands of investments, get inspiration from guides and articles or opt for a Ready-made Portfolio
Sipp fee: up to 0.4% pa
Over 11,000 investments to choose from including funds, investment trusts, ETFs, company shares, bonds and more.
£0 – £250k: 0.45%
£250k – £1m: 0.25%
£1m – £2m: 0.10%
Over £2m: FREE
Thousands of funds to choose from; Select 50 – Browse a list of expert picks. Pathfinder – Risk profiled fund options. Investment Finder – Search 1000s of investment ideas.
Less than £25,000: 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don’t
£25,000 or more but less than £250,000: 0.35%
£250,000 or more but less than £1 million: 0.20% – and you will automatically qualify for Fidelity’s Wealth Management Service benefits
£1 million+: 0.20% a year for the first £1 million and no service fee for investments over £1 million
Annuity Services
Pension Finder & Transfer Service
There are no tables for this criteria
Personal Pension
What is a Personal Pension?
A personal pension is a tax efficient way of saving for your retirement. When you retire or reach a certain age (55 or older) teh pot of money that you have saved in your personal pension plan becomes available to provide a taxable income until you die. The advantage of pensions saving in this way over otehr saving is that you get tax relief on the contributions you make into your pension plan. The amount of tax relief will depend on your tax status and prevailing tax rules. The amount of income you can take from your personal pension when you retire will depend on a number of factors including the value of your pension pot when you retire.
What is the difference between a Personal Pension and a Stakeholder Pension?
Personal pension plans tend to have higher minimum contribution levels e.g. £100 pm, as well as higher charges. Personal pensions will generally have more flexibility when it comes to what you can invest in while stakeholder pensions are low cost but have less investment choices.
How does tax relief work with contributions made into a Personal Pension Plan?
If you are a basic rate tax payer a payment of £80 per month will be topped up by HMRC with an additional payment of £20 (basic rate tax relief). this means that £100 is invested every month into your prension pot. For higher rate tax payers through the self assessment tax return you can claim back an additional 20% i.e. in this example £20. For those earning over £150,000 an additional rate of tax can be reclaimed.
What benefits are available from a Personal Pension when I retire?
Benefits from a personal pension can be taken any time from age 55 onwards. From the pot of money that you have saved a tax free sum of 25% can normally be taken. The balance of money will be used to by a compulsory purchase annuity. Annuity rates depend on prevailing gilt yields but will also be determined by age, your gender and the type of annuity you take out.
10 COSTLY PENSION MISTAKES
10 Costly Pension Mistakes Millions of Britons Make
- How to discover if your pension will be enough
- What ‘free money’ most private sector workers miss out on
- How to get a share of £41 billion from the taxman
- How to benefit from the pension freedoms and avoid the traps