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.

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With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.

Best Low Cost Pension More Than 50K

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.

With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.

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.

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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.

See how much your wealth can grow

Explore different investment plans and see your expected future growth.

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The highlighted area in the chart shows a projection of the future value of the portfolio considering 95% of the possible scenarios. Projections are not a reliable indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. As with all investments, the value may go down as well as up, and you may not get back the full amount you invested.

One low, simple fee.

As your money grows we’ll lower the percentage of your fees. 

Actively managed

Below 100k

Above 100k

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.

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Capital at risk.

Calculate your pension

About you


Your current situation

 
£
 
£
 

 

£
 
£
 

Your goal

 
£
 
Include state pension
 

Results:


Your pension

Retiring at 65 with your current monthly contribution of £200, your annual income will be £26,906 off your target.



Retirement income (annual):

Current:

£23,094

Target:

£50,000


Retirement pot:

Current:

£439,159

Target:

£1,263,886

Your contribution

By increasing your current monthly contribution and transferring your pension to Moneyfarm you'll be able to achieve your target retirement income.



Current monthly contribution of£200

A new monthly contribution of£684


Ideal monthly contribution of

£884

Your options

  • Lower your target income

  • Delay your retirement

Or, let Moneyfarm help you:


  • Open a pension plan of £684 to increase your contribution

  • Transfer your current pension to Moneyfarm and increase your contribution by £684

Reach your target with us
How we calculated these figures

All figures take account of inflation and show the buying power of your pension in today's money. Please see how to read these results below. If you have any questions, contact our Investment Consultants on 0800 433 4574 or email hello@moneyfarm.com. Find out more about your tax relief and pension allowances.

The figures here take account of inflation at 2% and show the buying power of your pension in today's money. If you have any questions, contact our Investment Consultants on 0800 433 4574 or email hello@moneyfarm.com. Find out more about your tax relief and pension allowance. This calculator aims to give you an indication of how much you may need to contribute to a pension to achieve your desired retirement income.The calculator should not be regarded as personal advice, nor is this a reliable indicator of future performance. One consensus is that you should aim for two - thirds of your final salary to maintain your current standard of living when retired.

This calculation assumes that your investments will grow by an annualised 5% during the accumulation phase - before your desired retirement age.Once retired, your investments will grow by an annualised 3%. The lifetime allowance is currently £ 1,055,000; if your pension exceeds the lifetime allowance you may be subject to additional charges from the Government.We assume you will receive the full single - tier state pension of £8,767.20 a year during retirement and that you will live to the age of 83.

The figures here are a guide and are not guaranteed. Your final pension fund and the income available will depend on factors including the growth your fund achieves, contributions you make in the future, charges, inflation, your retirement age, annuity rates at the time and the annuity options you choose.

As with all investing, your capital is at risk.

Thinking about a customised investment plan?

Take control of what’s ahead by adding a Stocks & Shares ISA, Junior 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).

Thinking about a customised investment plan?

Take control of what’s ahead by adding a Stocks & Shares ISA, Junior 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 & 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 more 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 different goals.

Learn more about GIAs
Junior ISA

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.

Learn more about JISAs

Stocks & Shares ISA

The perfect choice to start your investment journey, with £20,000 tax free allowance each year and penalty-free access. Learn more

General Investment Account

If it’s time to look for wealth diversification, unlimited and accessible, this is the perfect account for your needs. Learn more

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options. Learn more

With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.

Frequently asked questions about pensions

I’m self-employed, can I use the Moneyfarm pension?
Can my employer make contributions to my Moneyfarm pension?
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How much should I contribute to my pension?
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What type of pensions can I transfer?
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What annuity could I get with my pension when I retire?
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