A Private Pension as hard-working as you

Retire your way with a tax-efficient, globally diversified private pension (SIPP) built and managed around your retirement.

With investing, your capital is at risk.

Open a pension

Retire successfully

Tax relief at source

Automatically get a 25% boost* to your pension, without making a claim to HMRC. If you’re a higher rate or additional rate taxpayer, you can claim back up to 45% through your annual tax return.

Targeted to your retirement

Tell us when you aim to retire and we’ll manage your portfolio around your target date – reducing your risk as the date approaches.

Free drawdown
An expert by your side
Growth, all in one place

Get higher returns and monitor your progress the simple way by combining pensions and setting up employer contributions. Track all your activity and performance in-app or online.

*You may be entitled to more or less than this amount, subject to your tax status.

Transfer your pension, free of charge

We’ll handle the whole process for you. Just fill in your details in-app or online. We’ll talk to your existing provider and move your pensions over to your Moneyfarm account. The process typically takes 3–4 weeks and is as paperless as possible, depending on your provider.

What you’ll need

Your current provider’s name

Your pension account number

The pension value

The valuation date

Top-performing pensions, suited to your risk

All our portfolios beat the average performance of the competition 4 years in a row.

Our 4 year track record (net of fees)

View portfolio performance

Our 4 year track record (net of fees)

Key to the figures
Moneyfarm returns net of fees since inception (01/01/2016 to 30/06/2020) vs. average peer group performance or a cash proxy over the same time period. These past performance figures are simulated. Past performance is not a reliable indicator of future results. Asset Risk Consultants (ARC) collect the monthly returns of a collection of discretionary investment managers to create an index of the average returns for a given level of risk.

Read more

Important information

Moneyfarm data
The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to the 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite)

Peer Comparison Data
Asset Risk Consultants ARC collects the monthly returns of a collection of discretionary investment managers including large Asset managers, private banks and Wealth Managers to create an index of the average returns for a given level of risk.

ARC benchmarks are as follows:

Private Client IndexRelative Risk to World Equities
ARC Cautious PCI0 – 40%
ARC Balanced Asset PCI40 – 60%
ARC Steady Growth PCI60 – 80%
ARC Equity Risk PCI80 – 110%

Where the relative risk to World Equities means you are taking approximately that percentage of the risk global stock markets.

Moneyfarm’s Risk level 2 is compared to the ARC Cautious Private Client Index (PCI), our risk levels 3 and 4 use the ARC Balanced Asset Private Client Index (PCI), levels 5 and 6 are both compared to ARC Steady Growth Private Client Index (PCI) and our risk level 7 is matched to ARC Equity Risk Private Client Index PCI

ARC compiles indexes using the average competitor returns, including Barclays Wealth, HSBC, Investec Wealth and Investment and Blackrock, as well as many others.

P7 Portfolio
Please note that ARC does not independently verify the performance of the Model submitted by Moneyfarm. The returns shown refer to simulated past performance of our model portfolios from 01/01/2016 to 31/12/2019, this portfolio only became available to clients on 16/05/2019. Past performance is not an indicator of future results.

P1 Portfolio
ARC does not produce an index that is a suitable comparison for P1, as it does not contain any equity. We use monthly GBP Libor + 0.5%, as this is a cash proxy, which Moneyfarm believes is a fair comparison.

Simple fees for all your goals

Focus on your goals and forget about costs. Our yearly account management fees (incl. VAT) are billed monthly and are calculated daily based on your portfolio value.

On the first
On the next
£10,000 – £50,000
On the next
£50,000 – £100,000
On anything
over £100,000

Annual average investment fund fee: 0.2%

Annual effect of market spread : up to 0.09%

Annual average investment fund fee : 0.2%

Annual effect of market spread : up to 0.09%

Invest from £500.

Learn more about our fees

Open a Private Pension in minutes

Discover your investor profile

To get to know you and your goals, we’ll ask you how you feel about risk and what you want to achieve.

Open your recommended portfolio

We’ll recommend a globally diversified portfolio that best fits your needs and goals.

Invest when you’re ready

Transfer your existing pension or fund your portfolio directly by Direct Debit.

Thinking about a customised investment plan?

Take control of what’s ahead by adding a Stocks & Shares ISA or General Investment Account to the mix. Our experts are here to guide you. We’re regulated by the Financial Conduct Authority (FCA) and you’re always covered up to £85,000 by the UK Financial Services Compensation Scheme (FSCS).

Stocks and Shares ISA

Start your journey towards your medium-term goals with tax-free returns on up to £20,000 each year. Access your money any time or withdraw and reinvest in the same year while keeping your annual ISA allowance.

Learn about ISAs

General Investment Account

Keep moving towards your goals, after using up your ISA allowance. Make unlimited contributions, get quick access to your money and even open different portfolios for differerent goals.

Learn about GIAs

Frequently asked questions about pensions

I’m self-employed, can I use the Moneyfarm pension?
Can my employer make contributions to my Moneyfarm pension?
What is the annual pension allowance?
How much should I contribute to my pension?
How do pensions work?
What is a pension?
Can I transfer a pension?
Is there a minimum transfer value?
How do I transfer a pension?
Can I transfer a pension if I’ve started to take benefits?
What type of pensions can I transfer?
How long does it take to transfer a pension?
What happens to a pension when you die?
What annuity could I get with my pension when I retire?
How much tax will I pay on my pension?
What is the lifetime pension allowance?

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